Compare and choose the best cover for you.
Landlord’s Home and Contents Insurance
Covers your investment house and some of your stuff in it. Plus, in certain situations, we help with lost rent and removal costs for abandoned items.
Landlord’s Home Insurance
House insurance for your rental and other structures on the property. Plus, in certain situations, we help with lost rent and removal costs for abandoned items.
Landlord’s Contents Insurance
Contents insurance for furnishing and appliances your tenants use. Plus, some cover for lost rent and abandoned belongings. Good for rentals insured by someone else, like a body corp.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
Icing on the Landlord insurance-cake.
Simple, upfront prices.
We don’t hide behind discounts and equations. We give you a great price upfront. Simple is best.
Enjoy a cover combo.
Save time and hassle by getting home and contents cover for landlords in one policy. Less admin. More life.
Plain language policies.
Our landlord policies are written in plain language. WriteMark accredited. Not such a chore to read.
Backed-up by the goods.
Recognised for 10 years as New Zealand, General Insurer of the year.
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 FAQs answered.
Your sum insured should be how much it would cost to rebuild your rental house, including features such as fences, driveways, demolition, debris removal, compliance and professional fees. Always include GST in your sum insured estimate. Getting it right is important because, in many cases, it’ll be the maximum we’ll pay if your property were destroyed (minus your excess) – for instance, if a natural disaster took out your rental.
Using a sum insured calculator can make calculating the total rebuild costs easier. You can compare this amount against your own calculations to get the best sum insured estimate.
Buying the cheapest landlords insurance can feel like the right thing to do, but before you buy, there are a few things to consider. To compare quotes accurately, always check:
- The cover and limits – some insurance policy benefits have limits, so compare these to ensure you’re choosing the best cover for your needs.
- The financial strength rating – this tells you whether the insurer has the means to pay-out on your claims. This is particularly important in NZ because we are in a risky area for natural disasters and can have a lot of open claims due to widespread damage.
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 need to pay when you make a claim before your insurance covers the rest.
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.