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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.
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.
Damage to your house by you, your family or by those invited on to your property.
Your pet wreaking havoc on your house and furnishings.
Get a house insurance quote by 31 March for your chance to one of six prizes of 5,000 Airpoints Dollars!
Ts&Cs apply. Learn more
Phoned me regularly to advise me when the builder would proceed with the job.
Claimed for house damage
Thanks for making the claims process quick, easy and painless!
Claimed for damaged garage door
Stress free and quick.
Claimed for water damage
Here are some things you’ll need to complete your quote:
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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
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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.
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