Home buildings insurance - ANZ Asset Protector

Serious damage to your home is expensive and can be disruptive to your family, your lifestyle and maybe even your business. In most cases, as well as paying to repair or rebuild your home, we have a range of extra benefits and full replacement options that can help you get back to normal as simply and stress-free as possible.

With ANZ Asset Protector - Home Buildings, we'll pay the full replacement value of accidental damage to your home, up to the sum you’re insured for, plus GST.

These policies are underwritten by Vero Insurance New Zealand Limited. Find out more about their Financial Strength Rating.

Simply choose the cover that suits your needs and then call 0800 269 855


Home building insurance


What's covered

house insurance

Home building insurance

As well as your house, we can cover things like damage to landscaping, retaining walls, permanent swimming pools or spas. We also offer full replacement options for damage caused by non-natural disasters.

tick  If you can't live in your house while it's being repaired or rebuilt we'll cover the cost of temporary accommodation for your family.  We'll pay up to 5% of the amount you're insured for, or $30,000, whichever is greater, for up to 12 months accommodation.

tick  We'll pay up to $3,000 for any gradual damage caused by things like leaking or overflowing internal water pipes.

Optional extras

Landlords extension logo

Landlord's extension 

ANZ Asset Protector – Landlord’s Extension provides cover for non-malicious damage to the landlord’s furnishings on an indemnity basis.

tick  Up to $20,000 for damage to items such as stoves, fixed carpet and curtains

tick  Loss of rent if the  rental property is uninhabitable due to a loss or damage covered elsewhere in the policy. Limit of $40,000 per dwelling applies.

Rental property logo

Rental property overview

ANZ Asset Protector - Rental Property provides comprehensive cover at an affordable price. You can receive up to $30,000 for malicious damage caused by tenants.

tick   Cover for loss of rent due to property damage, and tenants withholding payment for good reason and evictions (conditions apply).
Lifestyle block logo

Lifestyle block overview

ANZ Asset Protector - Lifestyle Block covers your lifestyle block buildings, as well as plant, machinery, tools, far bikes, tractors, and trailers.

tick  Loss and damage caused by electric current to motors, switchboards and permanent wiring, as well as injuries caused by dogs worrying stock.

tick   Cover up to $2 million for your legal liability for accidents in connection to your lifestyle block that cause damage to other people's property.

Additional liability cover applies for forest and rural fires (limits apply).


You can get up to 15% discount when you have two or more insurance policies with us - any mix of house, contents, car or boat (minimum premium levels apply).

Find out more about sum insured home insurance

You’ll find lots of information at the ANZ Insurance Hub where you can work
out how much to insure your house for.

Home insurance calculator

Why house insurance is so important


More information

For full benefits, exclusions and conditions, view our policy document - Asset Protector online version (PDF 3.90MB).


Apply now by talking to a specialist

 Phone   Call 0800 269 855

 envelope icon   Enquire online

 branch icon   Visit your nearest ANZ branch

Already have insurance with us?

Phone icon   Call 0800 269 252
       with any questions about your 
       existing policy

 laptop icon  How to make a claim


IMPORTANT: This is a summary only of the cover and features that may be available. For full details of the terms, conditions and exclusions please refer to the policy document – Asset Protector online version (PDF 3.90MB) and Asset Protector printable version (PDF 1.53MB) or visit any ANZ branch or call 0800 269 296.

All ANZ Asset Protector policies are underwritten by Vero Insurance New Zealand Limited and distributed through ANZ. No member of ANZ Bank New Zealand Limited or its related companies or any other person guarantees Vero Insurance New Zealand Limited or its subsidiaries or any of the products issued by them. ANZ may receive a commission on any policy it arranges.

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