With State, you now only need to inspect your rental home every six months instead of three. Another way we make things breezy. Check policy wording for all the deets. Questions? Call us.
Cover your house for a reasonable amount, and we’ll pay to rebuild or repair it.* No matter the cost.
If there’s an official evacuation order, or damage to your rental home or contents makes it unliveable, we’ll pay up to $30,000 for lost rent.
Left high and dry with no goodbye? Add the Rent default benefit and we’ll cover up to 15 weeks of lost rent.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
*A sum insured value equal to, or higher than, the amount recommended by Cotality Sum Sure’s insured calculator. Or, if your home is worth over $1.5 million, a licenced property valuer.
Select cover option
Up to $3,000 per year
Up to $30,000
Up to $10,000
Up to $15,000
Up to $5,000,000
Optional extra
Optional extra
Optional extra
Optional extra
Up to $3,000 per year
Up to $30,000
Up to $10,000
Up to $15,000
Up to $5,000,000
Optional extra
Optional extra
Optional extra
Optional extra
*A sum insured value equal to, or higher than, the amount recommended by Cotality Sum Sure’s insured calculator. Or, if your home is worth over $1.5 million, a licenced property valuer.
Our NZ Landlord insurance policies are written in plain language, making them easier for you to read, understand, compare, and act on.
This is just a summary. For a full list of the policy benefits, exclusions and terms, check your policy wording.
We don’t hide behind discounts and equations. We give you a great price upfront. Simple is best.
Our Landlord’s policies are written in plain language. WriteMark accredited. Not such a chore to read.
Save time and hassle by buying home and contents cover for your rental in one go. Less admin. More life.
Highly commended in the New Zealand, General Insurer of the Year category for 13 years in a row.
Committed to treating you fairly. Proudly displaying our Fair Insurance Code credentials.
Our AA Financial strength rating means we have a very strong claims-paying ability.
Your sum insured should reflect how much it would cost to rebuild your house, including things like fences, driveways, demolition, debris removal, compliance and professional fees, plus GST. Getting this amount right is important because, in most cases, it will be the maximum we’ll pay if you suffer a total loss (minus your excess) – for instance, if a natural disaster took out your home.
Using a sum insured calculator can make figuring out the total cost easier. You can compare this amount against your own calculations to get the best estimate of your rebuild costs.
Although going for the cheapest insurance may be appealing, it's important to weigh up several factors before making a decision. To effectively compare different policies, consider the following points:
To help you understand insurance better, we've explained some common insurance terms in our glossary. Visit State insurance terms glossary.
