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House & Contents Insurance
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If it’s important to you tomorrow, insure it today.
You’ve worked hard for your home, and everything in it. That’s why our house and contents insurance gives you the flexibility to choose the cover that meets your needs. Maxi House and Maxi Contents offer the most comprehensive cover, while our Flexi House and Flexi Contents provide a more affordable alternative.
And our extensive insurance broker network will provide you with expert advice on the benefits of Flexi and Maxi, and which one is right for you.
Our comprehensive house cover, Maxi House provides cover for the cost of repairing or replacing your home, up to an amount that you choose (the sum insured), while Maxi Contents will cover the repairs or replacement for most of your insured items.
Maxi House covers:
- Your house for loss or damage caused by natural disasters, burglary, vandalism, fire, flood, storm damage, and accidental loss or damage.
- The cost of alternative accommodation if you’re unable to live in your home because it’s damaged or the government or local authorities prevent you from accessing it.
- Damage outside the home—like driveways, retaining walls, permanent swimming pools, and other items within your residential boundary.
Maxi Contents covers:
- Your contents for loss or damage caused by natural disasters, burglary, vandalism, fire, flood, storm damage, and accidental loss or damage.
- Your contents, even if they’re temporarily removed from the home for use anywhere in New Zealand.
- Temporary accommodation for you and your pets if your home is uninhabitable.
- Storage of your contents if your home is uninhabitable.
- Replacement of most of your items, including larger furniture and computers, tablets or smartphones that are less than three years old.
10% Extra cover for no extra cost
With our Maxi House cover, you may qualify for SumExtra. This gives you up to 10% more cover than your sum insured value in a natural disaster (e.g. earthquake, tsunami), and full repair or replacement for other insured events (e.g. flood, fire).
Up to 10% off by combining house and contents
You may be eligible for a discount of up to 10% if you insure two or more qualifying assets through the same brokerage. Please speak to your broker or to us for further details as eligibility criteria apply.
Our Flexi cover provides a more affordable option that covers you for the indemnity value of your home, limited to the sum insured.
Flexi House covers:
- Loss or damage to your home caused by specified events, including natural disasters, burglary, vandalism, fire, flood and storm damage, but not general accidental damage.
- Damage outside the home caused by these specified events—like driveways, retaining walls, swimming pools, and other items within your residential boundary.
- Alternative accommodation if you’re unable to live in your home because it’s damaged or you’ve been prevented from accessing it by government or local authorities.
Flexi Contents
Your belongings are covered while they’re in your home for specified events including natural disaster, fire, theft, burglary, and flooding.
You can upgrade your Flexi Contents policy to add extra cover for:
- Accidental loss or damage
- Contents anywhere in New Zealand (up to $10,000)
- Replacement of most of your items, just like in our Maxi policy although items that are over 10 years old will still be covered for indemnity value.
Excesses, terms, conditions, limits and exclusions apply to these policies. Please check the policy wording for details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.
Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life and business that really matter and is not intended to be financial advice. For advice on product suitability, please contact your financial adviser.
