Looking for house insurance?
It's easy to get a free quote online.
Compare our house insurance
We have two flexible cover options to choose from. If you’re unsure of what the best house insurance is for you, check out our house insurance buyers guide.
We're thrilled to have won General Insurer of the Year 2022 at the NZ Insurance Business Awards.
We'll cover the costs of temporary accommodation if your home suffers damage that makes it uninhabitable.
Natural disaster damage
We have optional benefits to cover cyclone, earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.
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 +684 633 4266 and we'll tell you how we can help.
If you're a landlord and you tell us your house is a rental property when you take out your policy, we’ll cover any window coverings, whiteware or household appliances you provide for your tenants, as an optional benefit.
Limits do apply, so make sure you check your policy wording before making a claim.
If you have added optional earthquake cover to your policy and your house is damaged by an earthquake, your Tower House insurance covers you up to your sum insured for the cost to repair or rebuild your house.
For more detailed information, check the Plus and Standard House policies or call us on +684 633 4266.
You can add optional gale, windstorm, hurricane and cyclone cover to your policy. If you choose this cover, you must provide us with a cyclone certificate for your house. If your house is 2 years old or less, we can accept a valid Occupancy Certificate instead.
Cyclone certificates should be issued by an engineer we have approved. If you choose to get a cyclone certificate from an engineer that is not on our approved list, we may not be able to accept it.
Check our list of approved engineers.
Damage to your home made through daily life, ageing and normal wear and tear is not covered. However, we do cover you for gradual damage caused by water leaking from a concealed water pipe, tank or hose. Limits apply.
We are pet lovers too, and know that from time to time they are not always as well behaved as you may like. Unfortunately, our policies don’t cover damage to your house or furnishings caused by your pet.
Important information: Tower house policies are underwritten by National Pacific Insurance (American Samoa) Limited trading as Tower Insurance.