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Find the best insurance for your most precious investment. Compare different insurance companies and their benefits and then click through to get a full quote.

Important- Its suggested to read the full policy wordings before making any decision. Terms, Conditions, Limit of cover and Exclusions may vary from policy to policy and it's important to check with insurer prior to organising the policy.

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Insurer:
Type:

Tower Insurance

Premium

(Owner Occupied)

Cover Highlights

  • Gradual damage cover $3000 from hidden water damage
  • Landscape cover $5000
  • Key & Lock cover $2000
  • Carpet extended replacement
  • Glass Damage reduced XS $50

Tower Insurance

Plus

(Owner Occupied)

Cover Highlights

  • Gradual damage Cover $2000 for hidden water damage
  • Landscape cover $2000
  • Key & Lock $1000
  • Glass Damage reduced XS $100

Tower Insurance

Standard

(Owner Occupied)

Cover Highlights

  • Gradual damage Cover $1000 for hidden water damage
  • Landscape cover $1000
  • Key & Lock $500

Tower Insurance

Landlord Insurance

(Landlord Property)

Cover Highlights

  • Methamphetamine contamination Cover
  • Whiteware and window cover
  • Loss of rent cover
  • Deliberate damage cover
  • Liability protection

State Insurance

Comprehensive

(Owner Occupied)

Cover Highlights

  • Temporary Accommodation maximum cover $20,000 per event
  • $250 excess on claims for windows and certain fixtures
  • Replacement of keys and locks, upto $500
  • Liability Cover
  • Intentional Damage Cover by tenants or someone else other than you
  • Cover up to Sum Insured Only

State Insurance

Essentials

(Owner Occupied)

Cover Highlights

  • Cover your home for loss or damage caused by a range of events that are identified in the policy. These include fire, earthquake, storm or flood, landslip, theft from forced entry, vandalism and the impact of a vehicle.
  • Cover for Present Day Value
  • Intentional Damage Cover by tenants or someone else other than you Liability Cover

AA Insurance

House Cover

(Owner Occupied)

Cover Highlights

  • Full replacement unless natural disaster events
  • Temporary Accommodation upto $20,000
  • Excess-Free Glass Cover (Optional Extra Cover)
  • Keys/Locks replacement
  • Gradual damage Cover upto $2000 from hidden water pipe
  • Cover for hardwired appliances

AA Insurance

Landlord Insurance

(Landlord Property)

Cover Highlights

  • Full replacement unless natural disaster events
  • Loss of rent Cover upto $20,000 or 12 months
  • Optional extras- Deliberate Damage cover upto $20,000
  • Optional extras- up to eight weeks loss of rent if you need to evict your tenants, or if they leave without giving you the required notice
  • Optional extras- illigal drugs decontamination and repair upto $30,000

AMI

Premier Cover

(Owner Occupied)

Cover Highlights

  • Repair or replacement up to Sum Insured amount
  • Temporary accommodation up to $20,000 or 12 months, whichever is the lesser
  • Hidden gradual damage up to $1,500
  • Keys and locks (excess free) up to $1,000
  • No Excess for glass or sanitary fixture claims (Optional Benefit)

AMI

Market value

(Owner Occupied)

Cover Highlights

  • Market value cover up to a Sum Insured amount
  • Temporary accommodation up to $20,000 or 12 months, whichever is the lesser
  • No Excess for glass or sanitary fixture claims (Optional Benefit)
  • Hidden gradual damage up to $1,500

AMI

Landlord Insurance

(Landlord Property)

Cover Highlights

  • Hidden gradual damage caused by leaking internal water pipes upto $1500
  • Cover for damage caused by meth contamination. Landlord obligations and exclusions apply (Conditions apply). Please check full policy wording for conditions
  • Liability Cover up to $1 million for accidentally damage to someone else's property, including cover for damage to tenants' contents up to $20,000
  • Cover for replacement or repair up to sum insured

NZI

Distinction Home Insurance

(Owner Occupied)

Cover Highlights

  • Covered up to sum insured
  • No Excess for glass or sanitary fixture claims or permanently fixed mirror
  • Hidden gradual damage up to $10,000 annual
  • Keys and locks (excess free) up to replacement cost
  • Legal Liability up to 5,000,000 (Check the policy wordings for conditions)

NZI

Essence Home Insurance

(Both)

Cover Highlights

  • Cover up to sum insured
  • Temporary accommodation up to $15,000
  • Legal Liability up to 1,000,000 (Check the policy wordings for conditions)
  • Landlord?s fixturesand fittings up to $5,000 (If house is rented)
  • Loss of rent due to house is uninhabitable up to $15,000 (If house is rented)

NZI

Echelon Home Insurance

(Owner Occupied)

Cover Highlights

  • Cover up to sum insured
  • Glass or sanitary fixture claims with an Excess $250
  • Hidden gradual damage up to $3,000 annual
  • Keys and locks (excess free) up to $1,000
  • Landlord?s contents covered for present day value or repair, maximum payout $10,000 per event. (If house is rented)
  • Loss of rent due to house is uninhabitable up to $20,000 (If house is rented)

Vero

Residential Home Policy

(Owner Occupied)

Cover Highlights

  • Cover up to sum insured
  • Temporary accommodation (benefit will be limited to 5% of the sum insured shown on the schedule or $30,000 whichever is the greater, for any one event. See all conditions in policy wordings.)
  • Keys and Locks up to $2000 per event
  • Hidden gradual damage up to $3,000 annual. See terms and conditions in Policy wordings
  • Legal Liability up to 2,000,000 for third party property damage

Vero

Landlord Cover Plan

(Landlord Property)

Cover Highlights

  • Property damage caused by the tenant(s) covered up to $30,000. Additional Excess $250 applies. (See full terms and conditions in policy wordings.)
  • Loss of rent cover with additional Excess $250 (See full terms and conditions in policy wordings.)
  • Liability Cover up to $1 million for accidentally damage to someone else's property.

Initio

Home Insurance

(Owner Occupied)

Cover Highlights

  • Cover up to your selected replacement value by the insured
  • Covered up to 52 week and $20,000
  • $250 Excess applies to glass claims
  • Hidden Gradual Damage- Covered up to $3,000
  • Owners Legal Liability up to $1 million of cover Includes Bodily Injury and Defence Costs
  • Retaining Walls cover up to $25,000

Initio

Landlord insurance

(Landlord Property)

Cover Highlights

  • Cover up to Sum Insured
  • Landlords Contents covered Items under 5 years of age covered for replacement Cover from $20,000 to $60,000
  • Deliberate Damage by Tenant Covered up to $25,000
  • Meth Contamination Covered up to $30,000 (Additional Excess $2,500)
  • Loss of Rent - following property damage, Covered up to 52 weeks, Cover from $20,000 to $80,000
  • Loss of Rent - eviction or no notice, Eviction for non payment - 6 weeks, Vacating without notice - 6 weeks, Prevention of access - 6 weeks

AMP

Everyday Plus

(Owner Occupied)

Cover Highlights

  • Accidental damage is automatic cover
  • SumExtra- up to 10% of your sum insured extra cover if your house is damaged or destroyed by natural disaster. Conditions apply.
  • Temporary accommodation-Up to 10% of the Sum Insured for up to 12 months
  • Gradual damage Cover upto $5000 from hidden water pipe
  • Retaining walls cover up to $75,000. Conditions apply
  • Driveways are covered up to 100 metres
  • Lock replacement up to $1,000

AMP

Everyday

(Owner Occupied)

Cover Highlights

  • Accidental damage cover is optional
  • SumExtra cover is optional
  • Temporary accommodation-Up to 10% of the Sum Insured for up to 12 months
  • No cover for gradual damage
  • Retaining walls cover up to $50,000. Conditions apply
  • Lock replacement up to $500

Trademe

House Insurance

(Both)

Cover Highlights

  • Demand surge protection, additional 10% of sum insured for unforeseen increase in the cost to rebuild your home In the event of total loss
  • Hidden Gradual damage cover up to $2500
  • Keys and locks cover upto $1000
  • (For rental property) Loss of rent cover p to $20,000 or six months rent (whichever is less) for your property being made uninhabitable as a result of damage
  • Optional Benefit - Retaining walls cover up to $25,000
  • Optional Benefit - Excess buyout for glass damage
  • Optional Benefit- Temporary accommodation up to $25,000

Youi

House Insurance

(Owner Occupied)

Cover Highlights

  • Cover for loss or damage caused by escaping water.
  • Intentional damage by anyone not living at the premises is automatically covered.
  • Legal liability upto $20 million. Conditions apply.
  • Cover for emergency repairs to make the building safe and secure and prevent further loss or damage
  • Temporary accommodation for up to 12 months
  • Funeral expenses up to $5,000 if a household member dies as a result of an insured event.
  • Cover for keys and locks up to $500

Youi

Landlord Cover

(Landlord Property)

Cover Highlights

  • Cover your loss of rent for up to 12 months if house is not safe for tenants to live in
  • Landlord furniture and furnishings cover up to $10,000
  • Cover for keys and locks up to $500
  • Cover for loss or damage caused by escaping water.

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