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This is a summary only. See if this policy is right for you by downloading our policy wording which is a full outline of the policy benefits, terms and conditions.
If a natural disaster, flood or storm increases the cost of building labour and materials, we may increase your sum insured by up to 10% at no extra cost.
Up to $25,000 cover for temporary accommodation expenses. It means you'll have somewhere to live if you have to move out of your home because it's uninhabitable as a result of a claim we've accepted.
We’ll repair or rebuild any damage to your retaining walls, up to $25,000.
If one event means you need to claim on multiple Tower car, house and contents policies, you’ll only need to pay one excess. It’s the highest excess that will apply.
Up to $1,000 cover to replace keys, remote door openers and locks if yours are stolen, lost or illegally duplicated – helping relieve any future burglary worries. We won't charge an excess when you claim on this benefit.
Worried you haven't set your sum insured correctly? With this benefit we’ll rebuild your house following a fire even if the cost is more than your sum insured. Excludes fires following natural disasters. Policy terms and conditions apply.
If you are not completely happy with your policy, please tell us within 15 days of its commencement date. We may agree to change the policy to suit you. If not, and you wish to cancel the policy, you can as long as you have not made any claims. We will then refund any premium you have paid and we will both regard this policy as never commencing.
Tips on things to consider when working out your rebuild value.
Our highest level of house cover. Great for those with high value homes or anyone who wants the confidence of the most benefits and our highest limits.
House insurance that covers the essentials. Great for the budget conscious or those that want the safety of insurance without all the extras.
House insurance designed specifically for landlords. Cover includes accidental damage by tenants and cover for whiteware and window coverings.
With our Plus and Premium house insurance policies, a claim for getting a window fixed won’t cost you your no claims bonus.