Home + Vehicle Insurance
Your home is your biggest asset. Your vehicle gets you through life. The right cover for both means you're never left scrambling after an unexpected event — just a clear path back to normal.
Arranged through our referral network. Home and vehicle cover is placed through specialist general insurance brokers we work closely with — experienced professionals who know this market inside out. Talk to us first and we'll connect you with the right people.
Talk to us →Cover options
Whether you're a homeowner, renter, landlord, or have a vehicle, boat, or caravan to protect — we can connect you with the right cover through our broker network.
Covers the structure of your home — the building itself — against fire, storm, flood, earthquake, accidental damage, and malicious damage. In New Zealand, house insurance works alongside EQCover for natural disaster events, so the policy you hold and how it's structured matters significantly.
Key things to check: sum insured (full rebuild cost, not market value), accidental damage inclusion, and whether temporary accommodation is covered while repairs are underway.
Covers everything inside your home — furniture, appliances, clothing, electronics, jewellery, and personal belongings — against theft, fire, flood, and accidental damage. Often bundled with house insurance, but can be taken separately if you're renting.
Key things to check: whether high-value items (jewellery, art, bicycles) need to be individually specified, and whether contents are covered away from home.
Comprehensive vehicle cover protects your car against damage in an accident (your fault or not), theft, fire, and weather events — and covers the cost of damage to other people's property. Options range from comprehensive through to third party fire and theft, depending on the vehicle's value and your budget.
Key things to check: agreed value vs market value, excess levels, whether a courtesy car is included, and cover for driving other vehicles.
Standard house insurance isn't designed for rental properties. Landlord insurance fills the gap — covering malicious damage by tenants, loss of rental income while the property is uninhabitable, and liability for injuries to tenants or visitors on your property. Essential for any investment property you rent out.
Key things to check: whether the policy covers both intentional and accidental tenant damage, the length of rental income protection, and methamphetamine contamination cover.
Covers your boat — whether it's a fishing tinnie, family runabout, or larger vessel — against accidental damage, theft, and liability on the water. Policies can cover the vessel while trailered, at the marina, and underway. Liability cover is particularly important given the potential costs of maritime incidents.
Key things to check: navigation limits (coastal vs offshore), whether equipment and gear are included, and whether racing or commercial use affects cover.
General insurance can be surprisingly complex — sum insured issues, EQC overlaps, policy exclusions, and underinsurance are all common problems that only surface at claim time. We help you understand what you're actually covered for before anything goes wrong.
What to watch out for
Most people don't think about their home and vehicle insurance until they need to make a claim. By then, it's too late to change what the policy says. Here are the issues we see most often.
Underinsurance on buildings
The sum insured should reflect the full cost to rebuild — not the market value of the property. Construction costs have risen sharply, and many policies haven't kept up. If your sum insured is too low, you'll face a shortfall at claim time.
EQC interaction
EQCover provides a base layer for natural disaster damage — but your private policy needs to sit correctly above it. How claims are split between EQC and your insurer, and whether your policy covers the gap, matters enormously after an event like an earthquake or flood.
Exclusions buried in the policy wording
Many standard policies exclude gradual damage, certain types of flooding, or specific causes of loss. The exclusions differ significantly between insurers — and most people only read them after something goes wrong.
Standard house cover on a rental property
Using a standard house insurance policy on an investment property that's tenanted can void your cover entirely. Landlord insurance exists for a reason — and the gap between the two policies is often where landlords get caught out.
Also worth considering
Home and vehicle cover protects your assets. But if you can't work — due to illness, injury, or worse — those assets are only part of the picture. We also advise on personal risk cover to protect your income and your family.
