Topic
General insurance
Home, contents and general cover in New Zealand — sum-insured rebuild figures, natural-hazard cover, EQC interaction, and the wording traps that surface at claim time.
General Insurance · 6 Sep 2025
Body Corporate Insurance for Apartments and Units in NZ (2026): What It Covers and Your Personal Gaps
What body corporate insurance covers for NZ apartments and units, what you still need personally, how the Unit Titles Act sets the building …
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General Insurance · 8 Mar 2026
Contents Insurance Sum Insured NZ (2026): How to Value What You Own Without Guessing
How to set the right contents insurance sum insured in NZ for 2026: a room-by-room valuing method, the special-limits trap on valuables, new…
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General Insurance · 4 Jun 2025
How to Calculate Your Home's Sum Insured in NZ (2025): The Rebuild Cost Method
How to calculate your house sum insured in NZ using rebuild cost, demolition, professional fees and an inflation buffer — and how to check w…
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General Insurance · 27 Apr 2026
Inflation and Underinsurance in NZ 2026: Why Your House Sum Insured Falls Behind Each Year
Why NZ house sum insured falls behind in 2026 — construction-cost inflation, the lag in CPI-based indexation, the shortfall it can leave at …
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General Insurance · 13 Apr 2025
Insuring an Off-the-Plan or Newly Built Home in NZ 2026: Cover From Deposit to Code Compliance
Who insures a new build while it's going up, when risk passes to you, and when your own house policy has to start. A timeline for off-the-pl…
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General Insurance · 22 Aug 2025
Landlord Insurance in NZ 2026: What It Covers That Standard House Cover Doesn't
What landlord insurance covers in NZ that a standard house policy may not — loss of rent, malicious tenant damage and limited meth contamina…
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General Insurance · 15 Sep 2025
Lifestyle Block Insurance in NZ (2026): Where Standard House Cover Stops
Insuring a lifestyle block or rural home in NZ: outbuildings and fences, water supply and effluent, fire and access risk, how Natural Hazard…
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General Insurance · 3 Jan 2026
The Natural Hazards Cover Cap in NZ (2026): What's Covered and Where Private Insurance Takes Over
Natural Hazards Cover (formerly EQC) in NZ: what the $300k dwelling cap pays, the land and levy rules, which hazards are covered, and where …
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General Insurance · 24 Apr 2025
Risk-Based Home Insurance Pricing in NZ 2026: What Flood and Earthquake Risk Now Does to Your Premium
Why NZ home insurance premiums increasingly vary by property: how risk-based pricing works, why flood and earthquake exposure pushes premium…
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General Insurance · 18 Dec 2024
Holiday security checklist for your house, contents and vehicle insurance
With Christmas and the holiday period fast approaching, now is the time to make sure your covers are in place.
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General Insurance · 27 May 2024
House insurance is not about the land
Is your home insured correctly? Have you insured your house for what you paid for it, what you think the market value is, or what the Govern…
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General Insurance · 27 Mar 2024
Why home insurance under-insurance still catches too many NZ homeowners out
In New Zealand, under-insurance is still a common problem. Research has found a large share of homes are under-insured, often by a significa…
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