Switching house insurance?
Switch contents while you're at it and save up to 20%* with our multi-policy discount.
Sustainability
upgrade
Extended sum insured
for fire
Carpet extended replacement
Lost or stolen keys? Replace them excess free
For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.
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This is a summary only. You can read the full list of benefits, terms and conditions in our policy wordings.
This policy meets the WriteMark Plain Language Standard, which means our policy wording is easier to read and understand.
If one event means you need to make a claim for more than one of your Tower car, house and contents policies at the same time, you’ll only need to pay one excess. The highest excess applies
If your home is completely destroyed, we’ll pay up to the sum insured amount on your policy to rebuild your home.
If your house is destroyed by fire, this benefit gives you up to 20% more cover than your sum insured. Excludes fires following natural disasters.
If there’s an accident at your home which causes damage to someone else’s property, we’ll cover you for your legal liability.
If your home suffers natural disaster damage, which is more than the EQCover limit, we’ll pay the difference up to the sum insured.
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.
We’ll repair damage to your home, which is caused over time by a leak or overflow from an internal water pipe, hose or tank.
Up to $3,000
Up to $2,000
Up to $1,000
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 $5,000
Up to $2,000
Up to $1,000
Cover for garden retaining walls automatically included.
Up to $50,000
Up to $25,000
Up to $15,000
We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.
Up to $30,000
Up to $25,000
Up to $15,000
If your house is destroyed, we'll provide up to $15,000 for you to add or upgrade to sustainable products in your new house. Excludes natural disaster losses.
Up to $15,000
Up to $15,000
Up to $15,000
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 $2,000
Up to $1,000
Up to $500
Extra cover to protect your home and renovation materials while it's undergoing non-structural renovations that don't require building consent.
Up to $50,000
Up to $20,000
Up to $10,000
If a natural disaster, flood or storm increases the cost of labour and materials, we may increase the sum insured to cover the costs of rebuilding your home.
15%
10%
You’ll receive a lump sum payment to help with the stress if your home is destroyed.
Up to $2,000
Up to $1,000
If your claim is only for glass breakage, we’ll reduce your excess and it won’t change your no claims bonus.
$50 excess
$100 excess
If you have matching carpet throughout your home and some of it’s damaged, if we can’t find a suitable match, we’ll replace the lot.
Tower Insurance is a member of the Insurance Council of New Zealand (ICNZ) and we abide by the ICNZ Fair Insurance Code.
What it doesn't cover
General wear and tear
Damage to your home made through daily life, ageing and normal wear. However, we do cover you for gradual damage caused by water leaking from a concealed water pipe, tank or hose up to $3,000.
Deliberate damage
Damage to your house by you, your family or by those invited on to your property.
Pet damage
Your pet wreaking havoc on your house and furnishings.
Save up to 10% with House and Contents
There are lots of great reasons to choose Tower for your House and Contents insurance. Check out our policy benefits below.
Start a quote online and we'll take up to 10% off your combined premium when you buy House and Contents policies together as a bundle. Ts&Cs apply.
The list of house insurance benefits and contents insurance benefits below are a summary only.
House insurance benefits
- Extended sum insured for fire
- One event - one excess
- Award-winning Plain Language policy wording
- Replacement of house keys and locks if they are lost or stolen
- Cover for temporary accommodation expenses if your house becomes uninhabitable
- Reduced excess for glass breakage*
*This benefit applies to House Premium and Plus policies only.
Contents insurance benefits
- Replacement value for your contents (new for old)
- One event - one excess
- Award-winning Plain Language policy wording
- Temporary accommodation if your house/flat is uninhabitable
- Excess free spectacles, contact lens, hearing aids, and dentures claims^
- Cover for accidental damage you cause to others property
^This benefit applies to Contents Premium and Plus policies only.
What our customers say
Excellent follow up and service. And first rate job. Keep up the good work.
Claimed for hail damage
Thank you so much the experience was fantastic and very stress free.
Claimed for accidental damage
Helpful and engaging customer rep. As a first time claimer I have been impressed with the service overall.
Claimed for accidental damage
Quote checklist
Here are some things you’ll need to complete your quote:
- How much it would cost to totally rebuild your house - otherwise known as the 'sum insured'. Learn more about sum insured
- Details of the property, including the year it was built, the materials it's made of, and the total floor area.
- If there is a self-contained unit on the property, such as a granny flat, you'll need a separate policy for each unit.
What's your house sum insured?
The sum insured you choose is the most we’ll pay to rebuild your home if it’s a total loss. Discover more about sum insured and learn how homeowners can pick the right amount for their property.
House insurance FAQs
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.
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 0800 379 372 and we'll tell you how we can help.
Our Premium, Plus, and Standard house insurance policies are designed for owner-occupiers. If you're looking to rent out your property, you will need our Landlord insurance policy.
Our Landlord insurance is designed to cover you for all sorts of renting-related issues. This includes deliberate damage, loss of rent and methamphetamine contamination.
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. Start your house and contents quote online now
Yes. If your house is damaged in an earthquake or natural disaster your Tower House insurance covers you up to your sum insured for the cost to repair or rebuild your house.
This includes cover for retaining walls, recreational and other features.
For more detailed information, check the Standard, Plus and Premium House policies or call us on 0800 379 372.
When calculating the premium for a property, one thing we take into account is the specific natural disaster risk at your address. We call this risk-based pricing. For example, Wellington has a higher risk of earthquake damage than Auckland.
We believe this is the fairest way to determine the cost of insurance.