Owning your own house is often the result of many years of saving and planning. So it makes sense to protect your biggest and most important asset with a leading insurer’s Residential Home insurance policy. With the assistance of our own line pricing tool you have the ability to tailor your insurance to a Sum Insured value specified by you, you can control the level of cover you need.
As well as protecting your house, a Residential Home Policy also provides cover for items in the grounds around your house including driveways and swimming pools. And if you work from home, your home office is covered too.
HELP is available to you 24-hours, 7 days a week as part of your Residential Home policy – at no extra cost – to you and the members of your immediate family who live with you.
Our customers can call us anytime for assistance if they are involved in an accident or disaster anywhere in New Zealand – even if there’s no insurance claim involved. If you’ve got a problem with a leaking roof in the middle of the night, broken glass, locked your keys in the car, or if you just need emergency advice – you can call us straight away.
Every home is different. Your Sum Insured should be too.
Just as contents policies have always specified a maximum amount of total cover, now house insurance policies do too. This is called the Sum Insured.
It’s very important that you insure your home for an appropriate amount. So here's an independent online tool, the Cordell Calculator, which can help you work out the cost to rebuild your home. The calculation is based on typical rebuild costs for houses with similar materials and features.
Alternatively, a suitably qualified professional can provide you with an estimated rebuild cost. Getting expert advice ensures that all the unique aspects of your home are taken into account. By using either method to update your Sum Insured, you’ll also automatically qualify for an additional benefit – which means your insurance cover goes even further.
- Up to 10% more cover for natural disasters
If your home is damaged or destroyed in a natural disaster and your Sum Insured isn’t enough to pay for the repair or rebuild, with this additional benefit you’ll receive up to 10% extra cover.
- And repair or replacement otherwise
If the loss to your home is caused by an event other than a natural disaster, with this benefit you’re covered for the costs to repair or replace your home even if the cost exceeds the Sum Insured.
It is important to note that limits, excesses, terms, conditions and exclusions apply to the policies referred to. Please refer to the policy wording for details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.