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Home Insurance
Home insurance is essential in New Zealand, and banks will usually require it before approving a home loan. That is because it provides vital protection, making sure your home can be repaired or rebuilt promptly if something unexpected happens. If your home is damaged by an unforeseen event such as a natural disaster, your insurer carries most of the risk, minimising the impact on you and keeping your home and property well protected.
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Why do you need home insurance?
Most New Zealand homes are timber-framed. Trees falling onto houses, burst pipes causing water damage, and fire are some of the most common causes of damage here. Repairs can be very costly, and home insurance lets you pass that risk on to your insurer.