Home Insurance: A Brief Lowdown On What You're Covered For

Hidden gradual damage can be an unwelcome surprise – thankfully you’re covered with your home insurance if you’re living in the home. This is for hidden rot or mildew caused by water leakage from an internal water pipe or tank.

If you can’t live in your home because of a loss covered by your policy and you have to pay rent for temporary alternative housing, we’ll pay reasonable costs for the accommodation for you, your family and your pets.

You’re covered if you are legally liable as the owner of the home for damage to someone else’s property or injury to anyone, such as damage to your neighbour’s property due to a fire at your home.

Life is busy, so having both your home and contents with State can make admin easier, plus it can pay in other ways. If the unexpected happens and you need to claim under both your State home and contents policies for the same incident at your home, you’ll only have to pay one excess - the highest of the two policies. The policy with the lowest excess will have its excess waived.

To find out more about home insurance with State, visit state.co.nz/house-insurance.