NZI Home & Contents Insurance

Home and contents insurance can be a safety net at the worst of times, so it helps to find an insurance provider that covers you in the areas you need. Here is what NZI’s home and contents insurance includes.

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What’s on offer with NZI home and contents insurance?

NZI offers separate home and contents policies. Each is available at four different levels of cover, at different price points:

  • Distinction
  • Eschelon
  • Essence
  • Houseowners

Click below to see how NZI’s home and contents insurance compares to other providers’ offerings.

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What’s on offer with NZI’s home insurance?

Distinction

NZI’s premium product. Automatic benefits include alternative accommodation cover, hidden gradual damage cover up to $10,000, matching items and landscaping up to $100,000.

If your home is damaged due to an event other than a natural disaster, NZI will pay the reasonable repair or rebuild cost even if it’s more than the total sum insured.

Eschelon

Automatic additional benefits include cover for alternative accommodation and your legal liability for bodily injury to others.

Essence

Offers protection for your home up to a maximum specified amount. Also covers for loss of rent and landlord’s fixtures and fittings.

Houseowners

Provides cover for certain specified events and offers both replacement value and present value options for your house, up to a specified amount.

What’s on offer with NZI’s contents insurance?

Distinction

Covers for accidental loss or damage, including repairs or replacement cover for most items. Automatic benefits include: alternative accommodation, contents in storage and transit, and home office coverage.

Eschelon

Covers for accidental loss or damage, including repairs or replacement cover for most items. Automatic benefits include: alternative accommodation, contents in storage and transit, and home office coverage.

Essence

Cover includes alternative accommodation, keys and locks, and your legal liability for property damage.

Houseowners

Basic insurance that provides limited cover for certain specified events.

About NZI

Founded in Auckland in 1859, NZI is one of the country’s oldest insurance brands. It was one of the underwriters of the Titanic. Since 2003, it has been part of IAG.

Written by: Bruce Pitchers | Last updated: August 24, 2021

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