Contents Insurance

Contents Insurance complements building insurance by covering personal belongings inside the home. This includes:

• Furniture and Appliances: Replacement or repair costs for items such as sofas, beds, refrigerators, and washing machines.

• Electronics: Coverage for devices like televisions, computers, and smartphones.

• Clothing and Personal Items: Protection for everyday items against theft, fire, and other risks.

• Valuables: Option to cover high-value items such as jewelry, artwork, and collectibles.

House Insurance

Home (Building) Insurance is the cornerstone of house insurance, safeguarding the physical structure of your home. This coverage includes protection for:

• Natural Disasters: Earthquakes, floods, storms, and other natural events that can cause significant structural damage.

• Fire: Damage resulting from fire incidents, including rebuilding costs and repairs to affected areas.

• Theft and Vandalism: Covers the cost of repairing damage caused by break-ins or malicious acts, as well as replacing stolen fixtures.

• Accidental Damage: Protection against unexpected incidents like a tree falling on your house or accidental breakages.

Motor Vehicle Insurance

Motor vehicle insurance in New Zealand provides financial protection for drivers against losses related to their vehicles. This insurance typically includes:

1. Comprehensive Insurance: Covers damage to your vehicle from accidents, theft, vandalism, fire, and natural disasters, as well as damage you may cause to other vehicles and property.

2. Third-Party, Fire, and Theft: Covers damage you cause to other people's vehicles and property, plus protection for your vehicle against fire and theft.

3. Third-Party Only: Covers damage you cause to other people's vehicles and property, but not your own vehicle.

Boat Insurance

Boat insurance in New Zealand provides financial protection for boat owners against a variety of risks associated with owning and operating a boat. This insurance typically includes:

Types of Coverage:

1. Comprehensive Insurance: Covers damage to your boat from accidents, theft, vandalism, fire, and natural disasters, as well as liability for damage you may cause to other boats and property.

2. Third-Party Liability: Covers your legal liability for damage you cause to other boats, property, or injuries to other people while operating your boat.

Landlords Extension

Landlord Insurance is designed for property owners who rent out their homes. It provides specific protections including:

• Building Damage: Coverage for structural repairs due to tenant-caused damage or natural disasters.

• Loss of Rental Income: Compensation if the property becomes uninhabitable and rental income is lost.

• Liability Protection: Covers legal costs and claims if a tenant or visitor is injured on the property

Vintage Cars

Vintage car insurance in New Zealand provides specialized coverage tailored to the unique needs of classic and vintage car owners. This insurance typically includes:

Key Features:

1. Agreed Value Coverage: The value of the car is agreed upon by the owner and insurer, ensuring the full insured amount is paid out in case of a total loss.

2. Limited Use Policies: Designed for cars that are not used daily, often offering lower premiums due to restricted mileage.

3. Restoration Coverage: Protection during the restoration process, including parts and labor.

4. Spare Parts Coverage: Covers loss or damage to spare parts specifically for vintage vehicles.

5. Event Coverage: Protection while participating in car shows, rallies, and other events.