House insurance - save 20% online!*

Save even more for a limited time when you protect your house with Tower. Earn Airpoints Dollars™ with this policy**


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Full replacement for fire

Full replacement for fire

If your home is destroyed by fire, we’ll rebuild it, even if it costs more than your sum insured.

One event, one excess

One event, one excess

If one incident means you need to claim on multiple Tower policies, you’ll only pay one excess. The highest excess applies.

Multi-policy discount

Multi-policy discount

Save up to 20% when you take out two or more Tower policies.

More on multi policy

Compare house insurance

This is a summary only. You can read the full list of benefits, terms and conditions in our policy wordings. 

WriteMark Plain Language Standard

This policy has been awarded the WriteMark Plain Language Standard. Find out more


One event – one excess

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


Replacement to your sum insured

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


Full replacement for fire

If your home is destroyed by fire, we’ll rebuild it, even if it costs more than your sum insured.


Liability protection

If there’s an accident at your home which causes damage to someone else’s property, we’ll cover you for your legal liability.


Natural disaster damage

If your home suffers natural disaster damage, which is more than the EQCover limit, we’ll pay the difference up to the sum insured.


No-claims bonus

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.


Gradual damage

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.


Premium
$3,000

Plus
$2,000
Most popular

Standard
$1,000

Landscaping

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.


Premium
$5,000

Plus
$2,000
Most popular

Standard
$1,000

Garden retaining walls

Cover for garden retaining walls automatically included.


Premium
$50,000

Plus
$25,000
Most popular

Standard
$15,000

Temporary accommodation

We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.


Premium
$30,000

Plus
$25,000
Most popular

Standard
$15,000

Key and locks

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.


Premium
$2,000

Plus
$1,000
Most popular

Standard
$500

House under minor renovation

Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.


Premium
$50,000

Plus
$20,000
Most popular

Demand surge protection

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.


Plus
10%
Most popular

Stress benefit

You’ll receive a lump sum payment to help with the stress if your home is destroyed.


Premium
$2,000

Plus
$1,000
Most popular

Glass breakage reduced excess

If your claim is only for glass breakage, we’ll reduce your excess and it won’t change your no claims bonus.


Premium
$50 excess

Plus
$100 excess
Most popular

Carpets extended replacement

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.

ICNZ - Insurance Council of New Zealand logo Tower Insurance is a member of the Insurance Council of New Zealand (ICNZ) and we abide by the ICNZ Fair Insurance Code.

Learn more about the Fair Insurance Code

Looking for landlord or lifestyle block insurance?

What it doesn't cover

  • General wear and tear

    Damage to your home made through daily life, ageing and normal wear. However, we do cover you for gradual damage caused by water leaking from a concealed water pipe, tank or hose up to $3,000.

  • Deliberate damage

    Damage to your house by you, your family or by those invited on to your property.

  • Pet damage

    Your pet wreaking havoc on your house and furnishings.

What our customers say

Quote checklist

Here are some things you’ll need to complete your quote:

  • How much it would cost to totally rebuild your house - otherwise known as the 'sum insured'.
    Learn more about sum insured
  • Details of the property, including the year it was built, the materials it's made of, and the total floor area.
  • If there is a self-contained unit on the property, such as a granny flat, you'll need a separate policy for each unit

Could you save with Tower?

Many could save by switching to Tower - see if you could today.

Get a house insurance quote

What's your house sum insured?

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

House insurance FAQs

What if I rent out my house?

Our Premium, Plus, and Standard house insurance policies are designed for owner-occupiers. If you're looking to rent out your property, you will need our Landlord insurance policy.

Our Landlord insurance is designed to cover you for all sorts of renting-related issues. This includes deliberate damage, loss of rent and methamphetamine contamination.

Landlord insurance

Is my house covered when I’m on holiday?

You don't have to tell us if your house is unoccupied for a short period of time – you'll still be covered. But please let us know if your house will be unoccupied for more than 60 consecutive days. An additional excess may apply if your house in unoccupied for an extended period.

Looking to insure your holiday home? Just call us on 0800 379 372 and we'll tell you how we can help.

Do I get a discount if I insure my house and contents?

Yes! If you have two or more car, house and contents policies with us you could save up to 20% off your premiums (Ts&Cs apply).

Also, if a single event means you need to claim on more than one policy, you'll only need to pay one excess. The highest excess applies.

Start your house and contents quote online now

What is risk-based pricing?

When calculating the premium for a property, one thing we take into account is the specific natural disaster risk at your address. We call this risk-based pricing. For example, Wellington has a higher risk of earthquake damage than Auckland.

We believe this is the fairest way to determine the cost of insurance.

Why we’ve changed to risk-based pricing for house insurance

Am I covered for earthquakes and other disasters?

Yes. If your house is damaged in an earthquake or natural disaster your Tower House insurance covers you up to your sum insured for the cost to repair or rebuild your house.

This includes cover for retaining walls, recreational and other features.

For more detailed information, check the Standard, Plus and Premium House policies or call us on 0800 379 372.

How much should I insure my house for?

It's important that the amount you insure your house for is enough to cover all costs to rebuild your house. This includes things like demolition costs, debris removal, professional fees and council fees.

Learn more about calculating the house sum insured amount

Ts&Cs apply. Discount excludes RoadWise, government levies and taxes.
** Airpoints Ts&Cs