Compare our house insurance

 

This table is a summary only and you should refer to your policy wordings for full details, in particular, the base version used in this example may not be the same version as your previous policy.

Unless stated otherwise, the sums in the table are the limits of cover per event.

Our house insurance policies include

Compared to previous standard NPI House product

(note that individual products may vary and that this is a representation)

Plus

Standard

Replacement to sum insured 
If your home is completely destroyed, we'll pay to rebuild your home.
Replacement to sum insured
If your home is completely destroyed, we'll pay to rebuild your home.
Improved
Replacement to sum insured
If your home is completely destroyed, we'll pay to rebuild your home.
Replacement to sum insured
If your home is completely destroyed, we'll pay 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.
Plus - Improved /Standard - Similar
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 TOP 1,000
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.
Plus - Improved / Standard - Similar
Temporary accommodation
We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.
Up to TOP 10,000
Temporary accommodation
We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.
Up to TOP 5,000
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.
Plus - Improved / Standard - Similar
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 TOP 1,500
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.
Keys 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.
Keys 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.
Plus - Improved / Standard - Similar
Keys 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 TOP 500
Keys 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 TOP 250
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.
Improved
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 TOP 20,000
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 TOP 10,000
Liability protection 
If there's an accident at your home which causes damage to someone else's property, we'll cover you for the 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 the legal liability.
Similar
Liability protection
If there's an accident at your home which causes damage to someone else's property, we'll cover you for the legal liability.
Up to TOP 100,000
Liability protection
If there's an accident at your home which causes damage to someone else's property, we'll cover you for the legal liability.
Up to TOP 100,000
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.
Similar
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.
Improved
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
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.
Similar
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.
Similar
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.
Similar
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.
Improved
Landlord's whiteware and window coverings
We’ll pay for loss to your landlord’s whiteware and curtains, drapes or blinds.
Up to TOP 7,500
Landlord's whiteware and window coverings
We’ll pay for loss to your landlord’s whiteware and curtains, drapes or blinds.
Up to TOP 5,000

Frequently asked questions

Why are you making these changes?

Our customers deserve to have up-to-date insurance cover that’s easy to understand. Our latest Tower policies are written in plain language so you can easily understand what you’re covered for if you need to make a claim. Simplifying complicated insurance terms with plain language is just the start of how we’re transforming insurance across the Pacific.

Can I choose to stay on my current policy?

No, this policy will no longer be available as we’re phasing out old policies and moving customers to our latest cover. The new product you’re moving to is our closest match to your current policy. However, we also have other options that may suit you better. Compare our latest policies in the table above.

What are some of the benefits of these new policies?

You can see and compare the benefits of each of new policies in the table above.

Our House Plus insurance policy provides cover for loss to your house up to the sum insured as well as other great benefits.

Our House Standard insurance policy provides cover up to the sum insured but lower limits on other benefits compared to House Plus and is a lower-cost option.

Will my premium change?

Premiums can change every year, depending on a number of different factors. Your premium will be listed in your renewal email and if you have any questions about it, you can find ways to contact us here.

Will my excess change?

The excess is the amount you need to pay toward any loss when you make a claim and it’s approved.

When you move to your new policy, your excess may change and it’s important to check it and make sure it’s right for you.

The amount of excess you choose for your policy will affect the premium you pay - the higher your excess, the cheaper your premium. As well as considering the premium, it’s also important to think about whether you will be able to afford to pay the excess if you happen to have a claim.

Why has my Tower policy number changed?

As you move to our latest cover when your policy renews, you’ll also have a new unique policy number for each of your policies. Remember to use this policy number as your reference when you contact us or make a payment for this policy. You’ll find your policy number on the top right-hand corner of your new insurance documents.

Are my other NPI or Tower insurance changing?

We’re phasing out older house, contents and car policies and moving customers to our latest policies ensuring they have the most up-to-date cover. If you have other NPI or Tower policies, we’ll let you know of any changes to each of your policies in a ‘heads up’ email, or in your renewal email.

What do I need to do now?

Please check through your policy documents when they arrive to ensure the information is correct and make sure you are comfortable with all the details.

If you have any questions, please don’t hesitate to contact us, otherwise, you can make your payment for your policy.

What happens when I get my renewal email?

Please make sure you read it carefully and check your details and your excess, as it may have changed.

How can I get more information?

Click here to find out more about the relationship between NPI and Tower and the exciting changes you can expect.

We’re more than happy to answer any questions you may have. Please find ways to contact us here.

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