Premium house insurance
Our highest level of cover. Great for those with high value homes or those who want the confidence of more benefits and higher limits.
Use promo code SAVE50 or AIR50 to save $50 or earn 50 Airpoints Dollars™ per policy when you buy online*
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Key benefits
Demand surge
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 by up to 15%.
Temporary accommodation
Up to $30,000 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.
Carpets extended replacement
If your carpet is damaged, we’ll pay for their replacement. Plus, if you’ve got matching carpet in every room and we can’t find a suitable match, we’ll replace the lot.
Full replacement for fire
We’ll rebuild your house following a fire even if the cost is more than your sum insured. Excludes fires following natural disasters.
One event, one excess
If one event means you need to claim on multiple Tower car, home and contents policies, you’ll only need to pay one excess. It’s the highest excess that will apply.
Glass excess buyout
You'll only pay a $50 excess when you claim for broken windows around your property.
This is a summary only. See the policy for the full list of benefits, terms and conditions.
This is the most current policy available to purchase on our website. Your policy wording may be different.
TThis policy has been awarded the WriteMark which is a plain language standard
