Compare our 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.
Why not give our house insurance calculator a go? It can help you work out the rebuild cost of your home.
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.
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.
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 hazards.
Damage caused by a natural hazard
If damage to your home exceeds the NHCover limit, we pay the difference up to your sum insured.
Tower's house insurance policies include
We are changing our policies. For policies starting on or before 28 October 2024, please view the "Current policies" tab. For policies starting on or after 29 October 2024, please view the "29 Oct 2024 or later" tab.
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
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
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
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
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
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 hazards.
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 hazards.
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 hazards.
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 hazards.
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
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
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
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.
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 $3,000We’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 $2,000We’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 $1,000We’ll repair damage to your home, which is caused over time by a leak or overflow from an internal water pipe, hose or tank.
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 losses caused by a natural hazard.
Sustainability upgrade
Up to $15,000If 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 losses caused by a natural hazard.
Sustainability upgrade
Up to $15,000If 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 losses caused by a natural hazard.
Sustainability upgrade
Up to $15,000If 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 losses caused by a natural hazard.
Temporary accommodation
We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.
Temporary accommodation
Up to $30,000We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.
Temporary accommodation
Up to $25,000We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.
Temporary accommodation
Up to $15,000We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.
Damage caused by a natural hazard
If damage to your home exceeds the NHCover limit, we pay the difference up to your sum insured.
Damage caused by a natural hazard
If damage to your home exceeds the NHCover limit, we pay the difference up to your sum insured.
Damage caused by a natural hazard
If damage to your home exceeds the NHCover limit, we pay the difference up to your sum insured.
Damage caused by a natural hazard
If damage to your home exceeds the NHCover limit, we pay the difference up to your sum insured.
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 $5,000You’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 $2,000You’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 $1,000You’re covered for damage to your lawn, flowers, trees, hedges or shrubs, caused by fire damage to your home, or damage from a vehicle.
Glass breakage reduced excess
If your claim is only for glass breakage, we’ll reduce your excess.
Glass breakage reduced excess
$50 excessIf your claim is only for glass breakage, we’ll reduce your excess.
Glass breakage reduced excess
$100 excessIf your claim is only for glass breakage, we’ll reduce your excess.
Glass breakage reduced excess
If your claim is only for glass breakage, we’ll reduce your excess.
Garden retaining walls
Cover for garden retaining walls automatically included.
Garden retaining walls
Up to $50,000Cover for garden retaining walls automatically included.
Garden retaining walls
Up to $25,000Cover for garden retaining walls automatically included.
Garden retaining walls
Up to $15,000Cover for garden retaining walls automatically included.
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 $2,000We’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 $1,000We’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 $500We’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.
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 $50,000Extra 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 $20,000Extra 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 $10,000Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.
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
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
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
If there’s an accident at your home which causes damage to someone else’s property, we’ll cover you for your legal liability.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Premium
Plus
Standard
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
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
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
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
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 hazards.
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 hazards.
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 hazards.
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 hazards.
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
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
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
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.
Hidden gradual water 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.
Hidden gradual water damage
Up to $3,000We'll repair damage to your home which is caused over time by a leak or overflow from an internal water pipe, hose, or tank.
Hidden gradual water damage
Up to $2,000We'll repair damage to your home which is caused over time by a leak or overflow from an internal water pipe, hose, or tank.
Hidden gradual water damage
Up to $1,000We'll repair damage to your home which is caused over time by a leak or overflow from an internal water pipe, hose, or tank.
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 losses caused by a natural hazard.
Sustainability upgrade
Up to $15,000If 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 losses caused by a natural hazard.
Sustainability upgrade
Up to $15,000If 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 losses caused by a natural hazard.
Sustainability upgrade
Up to $15,000If 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 losses caused by a natural hazard.
Temporary accommodation
We'll contribute toward the cost of temporary accommodation if your home suffers damage that makes it uninhabitable as a result of an insured event. This excludes claims for hidden gradual water damage.
Temporary accommodation
Up to $30,000We'll contribute toward the cost of temporary accommodation if your home suffers damage that makes it uninhabitable as a result of an insured event. This excludes claims for hidden gradual water damage.
Temporary accommodation
Up to $25,000We'll contribute toward the cost of temporary accommodation if your home suffers damage that makes it uninhabitable as a result of an insured event. This excludes claims for hidden gradual water damage.
Temporary accommodation
Up to $15,000We'll contribute toward the cost of temporary accommodation if your home suffers damage that makes it uninhabitable as a result of an insured event. This excludes claims for hidden gradual water damage.
Damage caused by a natural hazard
If damage to your home exceeds the NHCover limit, we pay the difference up to your sum insured.
Damage caused by a natural hazard
If damage to your home exceeds the NHCover limit, we pay the difference up to your sum insured.
Damage caused by a natural hazard
If damage to your home exceeds the NHCover limit, we pay the difference up to your sum insured.
Damage caused by a natural hazard
If damage to your home exceeds the NHCover limit, we pay the difference up to your sum insured.
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 $5,000You’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 $2,000You’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 $1,000You’re covered for damage to your lawn, flowers, trees, hedges or shrubs, caused by fire damage to your home, or damage from a vehicle.
Glass breakage reduced excess
If your claim is only for glass breakage, we’ll reduce your excess.
Glass breakage reduced excess
$100 excessIf your claim is only for glass breakage, we’ll reduce your excess.
Glass breakage reduced excess
$200 excessIf your claim is only for glass breakage, we’ll reduce your excess.
Glass breakage reduced excess
If your claim is only for glass breakage, we’ll reduce your excess.
Garden retaining walls
Cover for garden retaining walls automatically included.
Garden retaining walls
Up to $50,000Cover for garden retaining walls automatically included.
Garden retaining walls
Up to $25,000Cover for garden retaining walls automatically included.
Garden retaining walls
Up to $15,000Cover for garden retaining walls automatically included.
Keys and locks
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Keys and locks
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Keys and locks
Up to $1,000We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Keys and locks
Up to $500We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
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 $50,000Extra 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 $20,000Extra 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 $10,000Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.
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
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
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
If there’s an accident at your home which causes damage to someone else’s property, we’ll cover you for your legal liability.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Ready to renovate?
If you're planning your dream home renovation it's important to make sure you have home renovation insurance should something unexpected happen.
Whether you’re tearing down walls or laying down a driveway, we’re here for you.
Get our Contract works – Renovation cover and keep your property covered from damage and theft of materials while it’s a work in progress.
Tower Translates
We know insurance lingo can be a bit confusing. While our policies are WriteMark™ approved, we've put our heads together to explain some common terms.
If you're wondering what all that insurance lingo is all about, let’s unpack it.
Info, ideas and inspiration
Tips on protecting the things that matter the most to you.
House insurance FAQs
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.
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.
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.
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.
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.
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.
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 pets.
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