Exclusive Offer!

Unlimited Fibre 100, VDSL or ADSL Broadband

Pay from $42.50/month

for 6 months, then from $85 /month. 12 month contract.

Offer Expires: Thursday, Jan 31

nzi house insurance nz

NZI House Insurance

NZI is one of New Zealand’s oldest financial institutions, insuring properties and assets for over 160 years. With this much experience, you can rest assured of getting the best policies based on preferences. They’re dedicated to giving flexible options to suit Kiwis from all walks of life. Their dedication and outstanding  customer service have earned them prestigious awards like Innovation of the Year award  and the Intermediated Insurance Company of the Year in the Australian and New Zealand Institute of Insurance and Finance (ANZIIF) since 2017.

NZI House Insurance lives up to the reputation of being customer-driven and worth every penny. You can get a comprehensive cover based on the sum insured of your house. The sum insured is the rebuilding costs of your home, and this is where the insurance policy will be based on instead of the market value which can unfortunately be affected by market fluctuations. You can start protecting your house today by opting for an online quote!

Coming Soon
Bear 003

Why sign up for NZI House Insurance?

Every feature is important, simple as they may be. In fact, the nearest competitors may not even have the essential benefits you’d find in an NZI House Insurance. The policy document is easy to understand so you can manage your insurance independently. Each process is made easy and won’t waste your time. From getting a quote to making claims, a broker will be guiding you through.

Is NZI House Insurance right for me?

If it’s your first time to insure your property, NZI has got your covered. NZI has plenty of free tools to help you manage your insurance. They have a list of brokers from credible institutions:

  • Aon
  • Crombie Lockwood
  • Insurance Advisernet
  • Marsh
  • NZbrokers
  • Rothbury
  • Steadfast
  • Willis Towers Watson
  • PIC Insurance Brokers Ltd
  • Malcolm Wrigley Insurance Services 

You can also choose among their suppliers if you need one. The NZI House Insurance calculator is always available online and you can use this for an overview of the sum insured.

Types of NZI House Insurance

There are four different types of NZI House Insurance policies to choose from. They’re based on events and essentials you want to insure.

Distinction Home and Contents

This policy covers your high-value content like jewelry and art collection. Some benefits are exclusive and difficult to find in other policies.

  • Complete home replacement 
  • Up to $10,000 lifestyle block fencing
  • Alternative accommodation up to 12 months when your home becomes uninhabitable due to an insured event
  • Up to $25,000 for sustainable products when you agree to reconstruct your home with a “greener choice”
  • $1 million sum insured in contents
  • Extensive jewellery cover up to $100,000
  • Cover for art collection

Additional services you can add: Photosecure (deluxe photography and video scan), home rebuild valuation service, and up to $1,000 ‘hole-in-one’ at a golf tournament or club day

Echelon Home Insurance

This is a popular choice since this covers your home up to a maximum amount for sudden and accidental loss. You can also get access to some essential benefits, including:

  • Home repair or replacement 
  • Settlement of your loss (including professional fees and compliance costs)
  • Hidden gradual damage up to $3,000
  • Keys and locks replacement
  • Cover for sudden and accidental loss to the landlord’s contents up to $10,000 in any event
  • Up to $2,500 for landscaping

Essence Home Insurance

This is another popular policy due to its affordability. If you’re renting out your property, this policy can suit you best. You can get covered on loss of rent and landlord’s fixtures up to $5,000 for any event.

  • Sudden and accidental loss to the home
  • Settlement of loss which includes compliance costs and professional and other fees,
  • Demolition and removal costs.
  • Repair and replacement of your house

Houseowners Home Insurance

This basic house cover from NZI offers you the essential homeowner benefits. Get your home protected comprehensively with some of the following benefits:

  • Sudden and accidental loss to the home
  • Special feature sum insured (compliance costs, professional and other fees, demolition and removal costs)
  • Repair and replacement of your house
  • Alternative accommodation up to a maximum of 12-months for any event
  • Glass breakage

NZI House Insurance NZ FAQs

Illustration 02

You can use the NZI house insurance calculator to get an overview of the sum insured since the sum insured will be the basis of your insurance policy.

Yes, but only if it’s safe to do so because providing pictures will help the assessors when you make a claim.

You need to contact your broker if this happens and avoid making any commitments until you’ve been advised in what to do. You need NZI’s consent on any legal liability and settlement agreement.