Guides
Understanding Buildings Insurance in New Zealand
A comprehensive guide to buildings insurance for NZ homeowners, covering what's included, how it works, and how to choose the right policy.
Sarah Mitchell•
8 min readRead More →
Buildings Insurance Resources
Expert guides, insights, and everything you need to know about protecting your New Zealand property
Guides
Earthquake Cover: What NZ Homeowners Need to Know
A detailed guide to earthquake insurance in New Zealand, including EQC cover, building insurance requirements, and how the system works.
James Thornton•
7 min readRead More →
Guides
Full Replacement vs Agreed Value: Which Insurance Is Right for You?
Understanding the key differences between full replacement and agreed value (sum insured) buildings insurance to make the right choice.
Sarah Mitchell•
6 min readRead More →
Industry Insights
Top 5 Claims NZ Homeowners Face: What You Need to Know
Discover the most common buildings insurance claims made by NZ homeowners and how to protect yourself against them.
James Thornton•
9 min readRead More →
Industry Insights
Landlord Insurance: Protecting Your Rental Investment
A comprehensive guide to buildings insurance for landlords in New Zealand, covering requirements, coverage options, and protecting your investment.
Sarah Mitchell•
7 min readRead More →
Industry Insights
Body Corporate Insurance Explained: Protecting Your Apartment Investment
Understanding body corporate buildings insurance in New Zealand, coverage requirements, and how it protects apartment owners and body corporates.
James Thornton•
8 min readRead More →
NZ Market
EQC Is Now the Natural Hazards Commission: Key Changes NZ Homeowners Must Know
From 1 July 2024, New Zealand's Earthquake Commission became the Natural Hazards Commission Toka Tū Ake. Here's exactly what changed — and what stayed the same — for your buildings insurance.
James Thornton•
7 min readRead More →
Guides
Is Your NZ Home Underinsured? The Hidden Risk Affecting Thousands of Kiwis
Underinsurance is one of the most common — and costly — mistakes NZ homeowners make. Here's how to calculate your true rebuild cost and avoid being left short when it matters most.
Sarah Mitchell•
8 min readRead More →
NZ Market
NZ Buildings Insurance in 2026: Premiums Are Softening — Here's How Homeowners Benefit
New Zealand's general insurance market has entered a soft cycle. Gallagher and Marsh both confirm premiums are easing. Here's what this means for homeowners and property investors shopping for cover right now.
James Thornton•
6 min readRead More →
Guides
Buildings Insurance for First Home Buyers: Everything You Need to Know
Buying your first home in New Zealand? Your mortgage lender will require buildings insurance before settlement. Here's exactly what you need, when you need it, and how to get it right from day one.
Sarah Mitchell•
7 min readRead More →
Claims
What to Do When Severe Weather Damages Your NZ Home: A Step-by-Step Guide
Severe weather events are becoming more frequent in New Zealand. If your home is damaged by storm, flooding, or a fallen tree, knowing exactly what to do — and in what order — can significantly improve your claims outcome.
James Thornton•
6 min readRead More →
Guides
Choosing the Right Excess for Your NZ Buildings Insurance Policy
Your insurance excess is one of the most significant levers you control when buying buildings insurance in New Zealand. Here's how to think about it — and how to set the right level for your situation.
Sarah Mitchell•
5 min readRead More →
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