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House insurance

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.

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What you need to know

Watch a 60 second summary of our house insurance cover.

ANZ Asset Protector - Home buildings insurance

We'll pay the full replacement value of accidental damage to your home, up to the sum you’re insured for, plus GST.

Options to suit your needs

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 (except for damage caused by natural disaster).

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

Optional extras

ANZ Asset Protector – Landlord’s extension provides cover for non-malicious damage to the landlord’s furnishings on an indemnity basis and also up to $30,000 for malicious damage caused by tenants under certain conditions.

  • Up to $20,000 for damage to items such as stoves, fixed carpet and curtains.
  • 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.
  • Cover for loss of rent due to property damage, and tenants withholding payment for good reason and evictions (conditions apply).

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

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

Sum insured home insurance

In New Zealand, many insurers offer house insurance based on a maximum sum insured amount, rather than the floor area of a property. ANZ Asset Protector - Home Building Insurance offers full replacement options (except for damage caused by natural disaster). To qualify you will need to work out your sum insured amount.

Your sum insured needs to be enough to rebuild your home to the same size and standard. So it's important you get this number right.

It's your responsibility to work out your sum insured amount and advise your insurer. Otherwise, you could find yourself underinsured. Use the house insurance calculator to work out your amount and inform your insurer.


House Insurance Calculator

(If your ANZ Insurance is underwritten by TOWER please use this calculator)

Full replacement options

In New Zealand some insurers offers full replacement options (except for damage caused by natural disaster). At ANZ, if you personalise your sum insured with us you can now receive the SumExtra benefit:

  • Full replacement options (except for damage caused by natural disaster).
  • Your sum insured + 10% (if you need it) for a natural disasterdisclaimer.

Why house insurance is so important

There’s no place like home – but when your home is damaged or even destroyed, your life can be turned upside down in minutes. As these customers found out, having ANZ house insurance can make all the difference.

Why choose ANZ

Bundle and save

With our general insurance, you can get a multi-policy discount when you have two or more insurance policies with us - any mix of house, contents, car or boat insurance (minimum premium levels apply).

Our insurer's financial strength rating

These policies are underwritten by Vero Insurance New Zealand Limited. Vero Insurance New Zealand Limited has been given an A+ insurer financial strength rating by Standard & Poor's.

We'll help you figure things out

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Existing customers

Call 0800 269 252 with any questions about your existing policy.

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Help and support 

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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 printable version (PDF 814KB) 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.

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 personalised 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.

Natural disaster means earthquake, natural landslip, volcanic eruption, hydrothermal activity, tsunami or fire resulting from any of these. 

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