Provides you with total replacement policy with no real dollar limit.
If your home suffers sudden accidental damage, it will be repaired or replaced to "as new" condition using current building materials & methods, whatever the cost. You do not need to specify a sum insured. Premiums are based on the floor area, the suburb/town/city that the property is located in and the excess that you choose up to $2,000.
Provides you with replacement cover up to an identified dollar sum.
This is the traditional sum insured policy suitable for older homes, holiday homes &/or rental properties. If your home suffers sudden accidental damage from identified events, it will be repaired or replaced it to 'as new' condition using current building materials and methods, to the sum insured as shown in your insurance schedule. You need to specify the dollar amount it would cost to build your home and the floor area, the suburb/town/city that the property is located in and the excess that you choose up to $2,000.
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Provides cover for sudden accidental damage to your household items and for most it will provide new for old replacement, regardless of age. There are a number of exceptions. It also provides cover when you temporarily take household effects and personal belongings away from home to anywhere in New Zealand.
Some types of property and events are not covered and there are dollar limits on some items.
A less comprehensive home contents policy. It could suit you if you
This policy will provide new for old cover for sudden accidental damage from one of the causes named in the policy on many household items up to 10 years old. Items 10 years old or more are covered for present value (second hand or market value).
Limited cover applies when you temporarily take items away from your home.
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If you are moving to a new house, your contents are not covered whilst they are in transit by normal contents insurance policies. You will need what is called Transit Insurance