Standard house insurance

House insurance that covers the essentials. Great for the budget conscious or those who want the safety of insurance without the extras.
Earn Airpoints Dollars™ with this policy**
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Key benefits

  • Temporary accommodation

    Up to $15,000 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.

  • 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.

  • Retaining wall cover

    We’ll repair or rebuild any damage to your garden retaining walls up to $15,000

  • Keys and locks cover

    Up to $500 cover, free of any excess, to replace keys, remote door openers and locks if yours are stolen, lost or illegally copied.

This is a summary only. See the policy for the full list of benefits, terms and conditions.

Download policy (PDF, 743KB) 

Other house policies




If you took out house cover before July 2018 a different policy wording will apply. Get a copy of your policy wording.

* Ts&Cs apply. Discount excludes RoadWise, NZ government levies and taxes.
** Airpoints Ts&Cs