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If one event means you need to make a claim for more than one of your Tower car, house and contents policies at the same time, you’ll only need to pay one excess. The highest excess applies
If your home is completely destroyed, we’ll pay up to the sum insured amount on your policy to rebuild your home.
Learn more about sum insured
If your home is destroyed by fire, we’ll rebuild it, even if it costs more than your sum insured.
If there’s an accident at your home which causes damage to someone else’s property, we’ll cover you for your legal liability.
If your home suffers natural disaster damage, which is more than the EQCover limit, we’ll pay the difference up to the sum insured.
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
We’ll repair damage to your home, which is caused over time by a leak or overflow from an internal water pipe, hose or tank.
You’re covered for damage to your lawn, flowers, trees, hedges or shrubs, caused by fire damage to your home, or damage from a vehicle.
Cover for garden retaining walls automatically included.
We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.
We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.
Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.
If a natural disaster, flood or storm increases the cost of labour and materials, we may increase the sum insured to cover the costs of rebuilding your home.
You’ll receive a lump sum payment to help with the stress if your home is destroyed.
If your claim is only for glass breakage, we’ll reduce your excess and it won’t change your no claims bonus.
If you have matching carpet throughout your home and some of it’s damaged, if we can’t find a suitable match, we’ll replace the lot.
Just nice friendly service. This my first claim among all my properties. Very impressed
Claimed for accidental damage
I was impressed with the regular status updates, I was kept informed at each stage of the process.
Claimed for water damage
Same as before. In touch and communication second to none.
The sum insured you choose is the most we’ll pay to rebuild your home if it’s a total loss. Discover more about sum insured and learn how homeowners can pick the right amount for their property.
Calculating your house sum insured
If you’re running a small business from home, here’s what you need to know about insurance cover.
First home buyer? Here's what you need to know about insuring your house and valuables.
Make sure you get the right insurance for your slice of the Kiwi dream.