Who We Help
Every property in your portfolio is a financial exposure.
Make sure ownership structures, debt, and cover settings all line up.
Why tailored advice matters
The real risk window
Property investors face layered risk across debt, ownership entities, and insurance terms. Property-by-property policies without portfolio strategy often create hidden gaps.
As portfolios grow, policy ownership, trust structures, and debt protection must be coordinated. One weak link can compromise claim outcomes and family financial stability.
Key risks and gaps
- !Landlord cover mismatched with legal ownership entities.
- !Life cover that protects only the family home, not portfolio debt.
- !Income protection settings that ignore rental and variable income mix.
- !Natural disaster sum insured and excess settings left outdated.
- !Trust/LTC structure misalignment introducing claim and tax risks.
What Smiths covers
- Portfolio-level landlord insurance review across all properties.
- Life insurance structured to reflect total debt exposure.
- Income protection settings for mixed income sources.
- Ownership and policyholder alignment for trust/LTC structures.
- Personal KiwiSaver and wealth strategy outside property.
- Annual reviews as properties are added, sold, refinanced, or revalued.
Your financial checklist
- 01Is every rental on landlord-specific cover, not standard home cover?
- 02Do policyholders match legal owners (personal/trust/LTC)?
- 03Does life cover reflect total portfolio debt exposure?
- 04Is your income protection matched to your actual income mix?
- 05Have you reviewed EQC and disaster settings across all properties?
- 06Do you reassess insurance each time the portfolio changes?
- 07Is KiwiSaver strategy balanced against high property exposure?
Ready to talk it through?
Book a free review with Craig, Guy or Henry. No fees, and we're there if you ever need to claim.