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.
Switching house insurance? Switch contents while you're at it and save up to 10% with our multi-policy discount.*
Earn Airpoints Dollars™**
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.
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.
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
