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• Replacement Sum Insured House
  Accidental loss and damage policy or defined events policy depending on situation. Coverage up to replacement sum insured.
   
• Indemnity Sum Insured House
  Cover for defined events only, limited to indemnity value. Indemnity value means that you will be in the same financial position as immediately before the loss occurred.
   
• Tenanted House
  Accidental loss and damage cover can be offered for your tenanted property. Certain criteria need to be met in order to obtain this policy.
   
• Holiday House
  Accidental loss and damage policy or defined events policy can be offered for your holiday home. The type of cover given depends on where the home is and how often visited, amongst other things.

Contents

• Personal Contents
  Coverage for your contents anywhere in New Zealand for accidental loss and damage. We can offer new for old policies or indemnity value only policies.
   
• Flatters Contents
  Defined events cover for contents when you are in a flatting situation. Certain criteria need to be met in order to obtain this policy.
   
• Holiday Home Contents
  Accidental loss and damage policy or defined events policy for your holiday home contents.

• Landlord Contents
  Defined events cover for your contents that you have left in the home for your tenants use.

• Landlords Protection
  We can provide you protection against malicious damage, vandalism and theft of your contents caused by your tenant. Loss of rental income is also covered as well as your legal liability.

• Construction
  Cover for new buildings, additions or alterations. Both annual and cover for specific products are available.