Compare our house insurance

We have two flexible cover options to choose from, Plus and Standard.

Award winning insurance

We're award-winning

We're thrilled to have won General Insurer of the Year 2022 at the NZ Insurance Business Awards.

Save up to 20% with our multi-policy discount

Save up to 20% with our multi-policy discount

Buy multiple car, house, contents policies and save up to 20%. Ts&Cs apply.

Temporary accommodation

Temporary accommodation

We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.

Natural disaster damage for your home

Natural disaster damage

We have optional benefits to cover cyclone, earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.

Our house insurance policies include

This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.

Plus

Standard

Replacement to sum insured 
If your home is completely destroyed, we’ll pay up to the sum insured amount on your policy to rebuild your home.
Replacement to sum insured
If your home is completely destroyed, we’ll pay up to the sum insured amount on your policy to rebuild your home.
Replacement to sum insured
If your home is completely destroyed, we’ll pay up to the sum insured amount on your policy to rebuild your home.
Perils based
Gradual damage 
We'll repair damage to your home, which is caused over time by a leak or overflow from an internal waterpipe, hose or tank.
Gradual damage
We'll repair damage to your home, which is caused over time by a leak or overflow from an internal waterpipe, hose or tank.
Up to TOP1,000
Gradual damage
We'll repair damage to your home, which is caused over time by a leak or overflow from an internal waterpipe, hose or tank.
Temporary accommodation 
We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.
Temporary accommodation
We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.
Up to TOP10,000
Temporary accommodation
We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.
Up to TOP5,000
Landscaping 
You’re covered for damage to your lawn, flowers, trees, hedges or shrubs, caused by fire damage to your home, or damage from a vehicle.
Landscaping
You’re covered for damage to your lawn, flowers, trees, hedges or shrubs, caused by fire damage to your home, or damage from a vehicle.
Up to TOP1,500
Landscaping
You’re covered for damage to your lawn, flowers, trees, hedges or shrubs, caused by fire damage to your home, or damage from a vehicle.
Key and locks 
We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.
Key and locks
We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.
Up to TOP500
Key and locks
We’ll organise the replacement of your keys or locks if they’re stolen, lost, or illegally duplicated, and you won’t need to pay an excess.
Up to TOP250
House under minor alteration 
Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.
House under minor alteration
Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.
Up to TOP20,000
House under minor alteration
Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.
Up to TOP10,000
Liability protection 
If there’s an accident at your home which causes damage to someone else’s property, we’ll cover you for your legal liability.
Liability protection
If there’s an accident at your home which causes damage to someone else’s property, we’ll cover you for your legal liability.
Up to TOP100,000
Liability protection
If there’s an accident at your home which causes damage to someone else’s property, we’ll cover you for your legal liability.
Up to TOP10,000
Pay only one excess 
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
No claims bonus 
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
No claims bonus
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
No claims bonus
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
Optional benefits 
Optional benefits
Optional benefits
Earthquake 
We'll cover the loss or damage to your house caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Earthquake
We'll cover the loss or damage to your house caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Earthquake
We'll cover the loss or damage to your house caused by an earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
Gale, windstorm, hurricane or cyclone 
We'll cover the loss or damage to your house caused by a gale, windstorm, hurricane or cyclone.
Gale, windstorm, hurricane or cyclone
We'll cover the loss or damage to your house caused by a gale, windstorm, hurricane or cyclone.
Gale, windstorm, hurricane or cyclone
We'll cover the loss or damage to your house caused by a gale, windstorm, hurricane or cyclone.
Loss of rent for damage to your house 
We'll pay loss of rent if your house becomes uninhabitable.
Loss of rent for damage to your house
We'll pay loss of rent if your house becomes uninhabitable.
Loss of rent for damage to your house
We'll pay loss of rent if your house becomes uninhabitable.
Landlord's whiteware and window coverings 
We'll pay for loss to your landlord's whiteware and curtains, drapes or blinds.
Landlord's whiteware and window coverings
We'll pay for loss to your landlord's whiteware and curtains, drapes or blinds.
Up to TOP7,500
Landlord's whiteware and window coverings
We'll pay for loss to your landlord's whiteware and curtains, drapes or blinds.
Up to TOP5,000
Get a quote
Get a quote

House insurance FAQs

How much should I insure my house for?

It's important that the amount you insure your house for is enough to cover all costs to rebuild your house. This includes things like demolition costs, debris removal, professional fees and council fees.

Is my house covered when I'm on holiday?

You don't have to tell us if your house is unoccupied for a short period of time – you'll still be covered. But please let us know if your house will be unoccupied for more than 60 consecutive days. An additional excess may apply if your house in unoccupied for an extended period.

Looking to insure your holiday home? Just call us on +676 24 066 and we'll tell you how we can help.

What if I rent out my house?

If you're a landlord and you tell us your house is a rental property when you take out your policy, we’ll cover any window coverings, whiteware or household appliances you provide for your tenants, as an optional benefit.

Limits do apply, so make sure you check your policy wording before making a claim.

Do I get a discount if I insure my house and contents?

Yes! If you have two or more car, house and contents policies with us you could save up to 20% off your premiums (Ts&Cs apply). Also, if a single event means you need to claim on more than one policy, you'll only need to pay one excess. The highest excess applies. Contact us for a quote today.

Am I covered for earthquakes and other disasters?

If you have added optional earthquake cover to your policy and your house is damaged by an earthquake, your Tower House insurance covers you up to your sum insured for the cost to repair or rebuild your house.

For more detailed information, check the Plus and Standard house policies or call us on +676 24 066.

Am I covered for cyclones?

If you need your house insurance policy to include cyclone cover, you must provide us with a cyclone certificate for your house.

Cyclone certificates should be issued by an engineer we have approved. If you choose to get a cyclone certificate from an engineer that is not on our approved list, we may not be able to accept it. Check our list of approved engineers.

Is general wear and tear to the house covered?

Damage to your home made through daily life, ageing and normal wear and tear is not covered. However, our Plus cover does include cover you for gradual damage caused by water leaking from a concealed water pipe, tank or hose. Limits apply.

Is damage caused by pets covered?

We are pet lovers too, and know that from time to time they are not always as well behaved as you may like. Unfortunately, our policies don’t cover damage to your house or furnishings caused by your pet.

 Important information: Tower house policies are underwritten by National Pacific Insurance (Tonga) Limited trading as Tower Insurance.