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House insurance

Damage to your home can be expensive and disruptive. If your home is damaged, you could repair or rebuild it with house insurance.

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Great reasons to choose house insurance at ANZ

  • Insurance you can trust. We’ve partnered with general insurance specialist, Vero Insurance New Zealand Limited (Vero), to offer you comprehensive, value-for-money insurance options. Vero pride themselves on providing quality service, especially at claim time - when it really matters. View Vero's Financial Strength Rating.
  • SumExtra benefit. SumExtra provides extra cover for no extra cost. If your claim qualifies, you could be paid more than your sum insured amount. Find out more.
  • Options to suit your needs. With optional Landlord’s Extension cover for rental properties, and Lifestyle Block cover, you can tailor your insurance to your situation.
  • Bundle and save. You may be eligible for a multi-policy discount when you have two or more qualifying insurance policies with Vero (minimum premium levels apply).
  • Easy to manage. View your policy information via ANZ Internet Banking and make changes to your cover by contacting our dedicated ANZ customer support team at Vero.

Cover overview

House insurance with optional extras to suit your situation. Listed below is a summary of the cover and features that may be available. For full details of the terms, conditions and exclusions please see the policy document (PDF 958kb) – it’s simple and easy to understand.

House insurance

  • Covers loss or damage to your house from sudden and accidental events.
  • As well as your house, it includes things like damaged driveways, fencing, permanent swimming pools or spas, retaining walls (up to $80,000) and landscaping (up to $2,500).
  • You’re covered up to the sum insured amount you choose, plus GST. The sum insured is the most you’ll be paid (except when you qualify for the SumExtra benefit). Work out what your sum insured should be.
  • SumExtra provides extra cover for no extra cost. If your claim qualifies, you could be paid more than your sum insured amount. Find out more.
  • If your house is uninhabitable because of loss or damage, this cover may pay reasonable costs for temporary accommodation (including boarding your pets), up to 5% of your sum insured, or $30,000, whichever is greater, for up to 12 months.
  • This cover may pay up to $3,000 for hidden gradual damage caused by water leaking or overflowing from internal water pipes.
  • Single excess payable where there are multiple claims made for the same event covered under another ANZ policy written by Vero, like contents or car insurance.

Optional extras

Landlord's Extension

If you’re a landlord, you can add Landlord’s Extension. This covers:

  • Malicious damage caused by tenants under certain conditions, up to $30,000.
  • Loss of rent up to $40,000 per house, if the rental property is uninhabitable due to loss or damage covered by the policy.
  • Loss of rent for up to 8 weeks due to tenants legally withholding payment or if the tenant vacates without giving required notice.
  • Loss of rent for up to 12 weeks due to eviction for non-payment of rent.
  • Damage to landlord’s furnishings such as stoves, refrigerators and curtains, up to $20,000.

Lifestyle Block

If you own a lifestyle block you can add Lifestyle Block extension cover. This covers:

  • Your lifestyle block buildings, as well as plant and machinery, tools, farm bikes, tractors, and trailers.
  • Loss or damage caused by electric current to motors, switchboards and permanent wiring.
  • Up to $2 million for your legal liability for accidents in connection with your lifestyle block that cause damage to other people's property.

No Excess On Window Glass

  • No excess is payable for a claim arising due to broken window glass. This applies if you are not claiming for any other damage.

Excess Refund

  • With Excess Refund, you won't need to pay excess when you make a claim. Note this only applies if your claim is higher than your chosen excess amount. Other excess charges may still apply.

How much cover do you need? Working out your sum insured

You know your house best, so you need to work out your sum insured. It’s important to make sure it’s appropriate. If it’s too low and your house is destroyed or unrepairable, you may not be able to rebuild it to the same size or specification. If it’s too high, you’ll pay more in premiums than you need to.

To work out your sum insured, you can:

  • Use the Cordell SumSure calculator to determine the estimated cost to rebuild your house, or
  • Get an estimate from a registered valuer, quantity surveyor or other specialist.

How to qualify for the SumExtra benefit

If your sum insured has been calculated using the Cordell SumSure calculator or by a qualified specialist, such as a registered valuer or quantity surveyor, you may qualify for the SumExtra benefit at no extra cost.

With SumExtra, Vero will pay the full replacement cost to repair or rebuild your house – even if it’s higher than your sum insured. This is unless the damage is caused by a natural disaster (earthquake, natural landslip, volcanic eruption, hydrothermal activity, tsunami or fire resulting from any of these).

In the event of damage from natural disasters as described above, you’ll receive your sum insured plus 10%.

To qualify for the SumExtra benefit, you need to:

  • Get a complete and accurate rebuild cost estimate for your home via the Cordell SumSure calculator or a qualified professional.
  • Set your sum insured to at least the cost of rebuild identified in the estimate (which must be less than three years old).
  • Keep a copy (written or digital) of your estimate – you will need to provide this at claim time.
  • Review and obtain a revised estimate if you've made improvements to your house (e.g renovations) and update your sum insured with our ANZ customer support team at Vero.

For more information see the policy document (PDF 958kb) – it's simple and easy to understand.

House rebuild calculator

What do our customers say?

"The proactive response from the ANZ insurers was just enormous. Everything just all happened so quickly and efficiently, it was just brilliant. Nothing but good things to say about both ANZ and Vero."

Rob & Lorna, ANZ customers

"We have contents, house and vehicle insurance with ANZ. Thanks to ANZ we went to Vero. They were really awesome. If it wasn’t for them, I don’t know where we would be right now."

Bruce & Ngaire, ANZ customers

"The insurance company at the bank gave me a call on the day of the fire and the bank was constantly in contact with me. It’s definitely, absolutely essential to have insurance. When things happen you can rebuild your house – and you can rebuild your life."

Alfred, ANZ customer

We'll help you figure things out

Looking to get house insurance at ANZ?

Already have house insurance at ANZ?

If your insurance is provided by Vero:

  • Call Vero on 0800 831 123 with any questions about your existing policy.


Making a claim

If your insurance is provided by Vero:


From 12 March 2021, ANZ is no longer involved in ANZ general insurance provided by Tower.

If you're enquiring about Tower:

What else do you need to protect?

Your car

Accidents happen. Insurance can help you get back on the road as quickly as possible.

Your contents

Protect the things you own from accidental damage or loss.

You & your family

Your family is precious. Make sure they’re looked after if anything happens to you.

Your business

Having the right insurance in place can keep your business running if the unexpected happens.

Get a quote

To get a quote, you’ll be redirected from to the quote tool on Vero’s website.

Start quote

The above information 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 printable version (PDF 814KB) or visit any ANZ branch or call 0800 269 296.

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

The Cordell Sum Sure calculator is provided by CoreLogic NZ Ltd. The Cordell Sum Sure calculator uses information obtained from a variety of third party sources and the information you provide or confirm and analyses the information against construction industry data to calculate an estimated reconstruction cost of your property. The information and data used by the Cordell Sum Sure calculator may not reflect the specific details of your property and may not be complete, current or accurate. The estimated reconstruction cost may not reflect the actual cost to rebuild your home.

The Cordell Sum Sure calculator is not intended to replace a professional valuation. It is not a recommendation or financial advice. It is your responsibility to provide a sum insured amount for your house. You must decide whether the estimate provided by the Cordell Sum Sure calculator is appropriate or if you should use an alternative sum insured amount based on your knowledge of the property. Use of the Cordell Sum Sure calculator is authorised on the condition that CoreLogic NZ Limited, ANZ Bank New Zealand Limited and Vero Insurance New Zealand Limited do not warrant the accuracy, currency or completeness of the estimated reconstruction cost and do not have any liability of any kind for any loss or damage howsoever arising (including through negligence) in connection with the use of or reliance on the Cordell Sum Sure calculator.

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.