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Save $50 on house insurance

Switch your house insurance today and save $50 online, plus be in to win a year's premium.* Hurry offer ends 28 May.
Get a quote
*Ts&Cs apply

Why choose Tower house insurance

Bought your first home or looking for a house insurance quote? Get an accurate quote with Tower that includes your property's risk rating profile.

If you’re unsure of what the best house insurance is for you, check out our house insurance buyers guide. You can also try out our house insurance calculator - it can help you work out the rebuild cost of your home.

Award winning insurance

We're award-winning

We're thrilled to have won General Insurer of the Year 2022 at the IBNZ Awards.

Save up to 20% with our multi-policy discount

Save up to 20% with our multi-policy discount

Buy multiple car, house, contents, landlord or boat policies and save up to 20%. Ts&Cs apply.

earthquake and flood risk rating house insurance

Your risk rating

We accurately calculate house insurance premiums based on flood and earthquake risk. Get a quote to check the risk rating for your home.

sum insured for fire house insurance

Extended sum insured for fire

If your house is destroyed by fire, this benefit gives you up to 20% more cover than your sum insured. Excludes fires following natural disasters.

house insurance sustainability option

Sustainability Upgrade

If your house is destroyed, we'll provide up to $15,000 for you to add or upgrade to sustainable products in your new house. Excludes natural disaster losses.

landlord insurance

Got a rental property?

If you’re looking for house insurance for your rental property we’ve got you covered. Click here to find out more.

Guide to buying house insurance
Check out our house insurance calculator

Tower's house insurance policies include

This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.

Premium

Plus

Standard

Earn Airpoints Dollars 
You’ll receive 1 Airpoint Dollar™ for every $100 you spend on your premium each year when you purchase or renew your policy. Ts&Cs apply.
Earn Airpoints Dollars
Earn Airpoints Dollars
Earn Airpoints Dollars
Replacement to 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
Replacement to sum insured
Replacement to sum insured
Replacement to sum insured
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.
Natural disaster damage
Natural disaster damage
Natural disaster damage
Extended sum insured for fire 
If your house is destroyed by fire, this benefit gives you up to 20% more cover than your sum insured. Excludes fires following natural disasters.
Extended sum insured for fire
Extended sum insured for fire
Extended sum insured for fire
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.
Carpets extended replacement
Carpets extended replacement
Carpets extended replacement
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.
Gradual damage Up to $3,000
Gradual damage Up to $2,000
Gradual damage Up to $1,000
Sustainability upgrade 
If your house is destroyed, we'll provide up to $15,000 for you to add or upgrade to sustainable products in your new house. Excludes natural disaster losses.
Sustainability upgrade Up to $15,000
Sustainability upgrade Up to $15,000
Sustainability upgrade Up to $15,000
Temporary accommodation 
We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.
Temporary accommodation Up to $30,000
Temporary accommodation Up to $25,000
Temporary accommodation Up to $15,000
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.
Landscaping Up to $5,000
Landscaping Up to $2,000
Landscaping Up to $1,000
Glass breakage 
If your claim is only for glass breakage, we’ll reduce your excess and it won’t change your no claims bonus.
Glass breakage $50 excess
Glass breakage $100 excess
Glass breakage
Garden retaining walls 
Cover for garden retaining walls automatically included.
Garden retaining walls Up to $50,000
Garden retaining walls Up to $25,000
Garden retaining walls Up to $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.
Key and locks Up to $2,000
Key and locks Up to $1,000
Key and locks Up to $500
House under minor alteration 
Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.
House under minor alteration Up to $50,000
House under minor alteration Up to $20,000
House under minor alteration Up to $10,000
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.
Liability protection
Liability protection
Liability protection
Pay only one excess 
Pay only one excess when claiming on multiple policies for a single incident at the same address.
Pay only one excess
Pay only one excess
Pay only one excess
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.
No claims bonus
No claims bonus
No claims bonus
Policy wording
Download Policy wording
Download Policy wording
Download Policy wording
Learn more
Learn more
Learn more
Get a quote
Get a quote
Get a quote

Save up to 10% with house and contents

One day you're dreaming of owning a home, the next day you've got one full of stuff to insure.

With our multi-policy discount, you can enjoy up to 10% off when you buy house and contents insurance together. Get up to 20% when you add a third policy!**

Find out more about our contents insurance.

Get this bundle

House insurance FAQs

Expand all 
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

Does my risk rating affect the price I pay for my insurance?

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

How is the risk rating calculated?

We use various sources of data to assess the level of risk each address faces. This includes information about the building itself like age, construction materials, and sum insured as well as its geographical location. To help us better understand the earthquake and flood risk in New Zealand, we’ve partnered with Risk Management Solutions (RMS) – one of the world’s leading catastrophe modelling companies. RMS earthquake and flood models are built using advanced technologies, science, and data, including lessons from historical events, geologic data, ongoing global research and damage statistics. Assessing properties with this level of detail means earthquake and flood damage risk can vary from one address to another, even for properties on the same street. These differences are reflected in our premiums.

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.

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

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

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.

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

Is general wear and tear to the house covered?

Damage to your home made through daily life, ageing and normal wear and tear is not covered. However, we do cover you for gradual damage caused by water leaking from a concealed water pipe, tank or hose. Limits apply.

Is damage caused by pets covered?

We are pet lovers too, and know that from time to time they are not always as well behaved as you may like. Unfortunately, our policies don’t cover damage to your house or furnishings caused by your pet.

Manage your insurance with My Tower

You can update, claim and keep track of your insurance 24/7 through My Tower. Log in or register today.

Find out more

Discover

Keeping your home safe while you're on holiday

Preparing for a well-earned holiday is an exciting time, but you shouldn’t let it get in the way of ensuring your house is secure in your absence.

What to pack for an emergency grab bag

Learn how to prepare your emergency kit or grab bag just in case you need to leave your home at short notice in an emergency.

What to do before and after a flood

Here are some top tips from the NZ Civil Defence and our locally based claims team on how to prepare for and what to do after a flood.
See all house blog articles

** Multi-policy discount Ts&Cs apply.

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