Right down to the kitchen sink

Your home is one of your most valuable assets. Protecting it as well as your personal belongings should be a high priority. You’ve worked hard to build up your assets, so knowing that at least financially you are able to replace your valuables and home after an unforeseen event can make all the difference.

House Cover

MAXIPLAN

Maxiplan covers against accidental loss or damage to your home (which also includes garages, decks, swimming pools, driveways, fences and gas & water pipes).

Payout is based on full replacement which is the cost involved in rebuilding or repairing your home with today’s materials, back to its original size.

Also included is cover for gradual damage, retaining walls, landscaping and alternative accommodation for up to 12 months if your home is inhabitable.

(For homes built prior to 1945, they must be fully re-wired, re-plumbed, re-piled etc to qualify for Maxiplan cover).

If your home is tenanted, it is not eligible for Maxiplan cover.

BASICPLAN EXTRA

Basicplan Extra covers against loss, damage or destruction from specific events such as fire and flooding.

Payout is based on the cost involved to replace or repair your home but limited to an agreed sum insured amount.

EXCESS

Excess is the amount that you pay for each claim you make.

• Standard minimum excess = $150. (Other options: $250, $500, $1000).
• If your home is rented out, standard minimum excess is $400. 

Contents Cover

MAXIPLAN

Maxiplan gives you new-for-old replacement cover for virtually all your possessions. It protects against accidental loss or damage anywhere in New Zealand.

To qualify for Maxiplan, your sum insured must be at least $40,000. If you insure your contents for at least $60,000, most items are fully replaced regardless of their age.

Maxiplan also offers heaps of additional benefits including:

• $2000 for gradual damage
• Alternative accommodation
• Fatal Injury cover
• $1,000,000 worth of legal liability if you accidentally damage someone else’s property or home
• $1000 cover for frozen foods and for damaged or stolen keys or locks
• $500 cover for misuse of cell phone if lost or stolen
• $1000 cover for unauthorised use of credit cards.

Or if you would simply like no-frills insurance, Basicplan is perfect for the budget conscious:

BASICPLAN EXTRA

Basicplan Extra protects against loss, damage or destruction from specific events such as fire, flooding and theft that occurs at your home. Payout is based on indemnity value. (Minimum sum insured is $30,000).

This policy also includes $1,000,000 worth of legal liability if you accidentally damage someone else's property or home.

EXCESS

Standard minimum excess = $150. (Other options: $200, $300, $500, $1000).

Please refer to the Maxiplan & Basicplan policy documents for payout limits on certain items. If your particular item is worth more than the limit stated, you will need to supply a valuation and have the item specified on your policy schedule to ensure it is properly covered in the event of a claim.

An insurance policy is a legally binding contract that demands complete honesty from both parties. It is a contract of utmost good faith.

Underwritten by Vero Insurance.

Click here for information on making a claim.