Good at award-winning. Great at insurance.
We're Canstar’s 2025 Outstanding Value – Home and Contents Insurance Award winner.
If Mother Nature sends a storm, flood, earthquake, or landslip your way, we’ll pay to repair or rebuild your house.
If you’ve got a pesky pipe leaking inside your walls, we’ll pay up to $3,000 to fix the damage caused.
Cover your house for a reasonable amount*, and we’ll rebuild or repair it. No matter the cost.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
*A sum insured value equal to, or higher than, the amount recommended by Sum Sure’s calculator. Or, if your home is worth over $1.5 million, a licenced property valuer.
Our cover
Up to $3,000 per year
Up to $500 per year
Up to $30,000
Up to $50,000
(higher limit available)
Up to $15,000
Up to $2,000,000
$2,000
Optional extra
Optional extra
Optional extra
Optional extra
Up to $3,000 per year
Up to $500 per year
Up to $30,000
Up to $50,000
(higher limit available)
Up to $15,000
Up to $2,000,000
$2,000
Optional extra
Optional extra
Optional extra
Optional extra
Our NZ home insurance policies are written in plain language, making them easier for you to read, understand, compare, and act on.
*A sum insured value equal to, or higher than, the amount recommended by Sum Sure’s calculator. Or, if your home is worth over $1.5 million, a licenced property valuer.
This is just a summary. For a full list of the policy benefits, exclusions and terms, check your policy wording.
We don’t hide behind discounts and equations. We give you a great price upfront. Simple is best.
Make car, home and contents claims online. We even auto-approve them sometimes. Zippy.
No need for small talk. Manage insurance online anytime in the State app or My State, your online account.
Highly commended in the New Zealand, General Insurer of the Year category for 11 years in a row.
Committed to treating you fairly. Proudly displaying our Fair Insurance Code credentials.
Our AA Financial strength rating means we have a very strong claims-paying ability.
Your sum insured should reflect how much it would cost to rebuild your house, including things like fences, driveways, demolition, debris removal, compliance and professional fees, plus GST. Getting this amount right is important because, in most cases, it will be the maximum we’ll pay if you suffer a total loss (minus your excess) – for instance, if a natural disaster took out your home.
Using a sum insured calculator can make figuring out the total cost easier. You can compare this amount against your own calculations to get the best estimate of your rebuild costs.
Buying the cheapest house insurance can be tempting, but there are a few things to consider before committing to an insurance policy. To compare quotes accurately, it’s worth checking:
Accidental loss: Unexpected and unintended damage.
Claim: A request made to your insurance company to compensate you financially for something covered by your policy.
Cover: The protection provided by an insurance policy.
Excess: The amount you contribute towards a claim before your insurer pays the rest of your entitlement.
Exclusion: Specific conditions or circumstances that the policy does not cover.
Premium: The amount you pay for the financial protection your insurance policy provides.
Sum Insured: The maximum amount your insurer will pay for a covered loss.
