Personal insurance
Home, contents and all risks
Cover for the building you own, the things inside it, and the valuables you carry with you.
Your home is usually the biggest thing you own, and replacing what is inside it costs more than most people expect. We arrange buildings cover for homeowners, contents cover for owners and tenants, and all risks cover for items you take out of the house.
We check that your sums insured are realistic, so a claim is not cut back for under-insurance, and we compare insurers so you are not paying for cover you do not need.
Who it's for
- Homeowners, including those with a home loan
- Tenants who need cover for their own belongings
- Anyone with phones, laptops, cameras or jewellery they carry outside the home
What it covers
- Buildings: fire, storm, flood, lightning, burst geysers and pipes, and accidental damage, depending on the policy
- Contents: furniture, appliances, clothing and personal belongings against theft and damage
- All risks: specified and unspecified portable items, at home and away
- Liability to other people for injury or damage that happens on your property
Good to know
- Insure buildings for the cost to rebuild, not the market value of the house.
- Most insurers ask for minimum security, such as burglar bars or an alarm. We tell you what applies before you buy.
Cover, limits and exclusions differ between insurers and policies. We explain the exact terms of any policy before you buy.
Questions
Usually, yes. Most lenders accept another insurer's policy as long as it meets their requirements and notes their interest. We handle the paperwork with the bank.
Talk to a broker who works for you, not the insurer.
Tell us what you need covered. We compare the market and come back with clear options.