Trade Me Insurance - online house insurance quotes NZ

House Insurance.
Uncomplicated cover for your biggest asset just got better. Find out how.

The way it works is simple.
If you live in a low risk area, we may be able to offer you a lower premium for your home.

In March this year, we changed the way we manage our risk for insuring kiwis' homes. If you live in an area that has a lower risk of natural disasters occurring, such as earthquakes or flooding, we may be able to offer you lower prices for your premium.

If you fancy downsizing your house insurance payments, start a free quote!

From a broken window to a total rebuild

You'll be covered for sudden accidents and damage to your house, from a broken window to the cost of a total rebuild up to how much you're covered for.

Sum insured in 30 seconds

What you need to know about getting covered with us

  • Our house insurance is flexible to cover extras like sleepouts, retaining walls and swimming pools.
  • If you're after more cover, we can pay up to $25,000 for temporary accommodation, until your house is liveable again.
  • The amount you pay for your insurance is influenced by your 'excess' - the money you contribute towards your claim. A larger excess means a smaller premium, and vice versa.
We cover you for unexpected events.
To find out more about what we cover click here

Here's a summary of all the features that are included in our house insurance policy, or are available as optional extras. As you can see, some features only apply to certain property types.
Check out the full policy documents at the bottom of this page for all the details.

Benefits

Main Home
Holiday House
Rental Property

Accident cover

We will cover you for sudden and accidental physical loss or sudden and accidental physical damage to your house up to the sum insured.

Main Home
Holiday Home
Rental Property

Liability cover

This means you’re covered for claims made against you for accidental physical damage to other people’s property as a result of an accident at your house.

Main Home
Holiday Home
Rental Property

Demand surge increase

Repair costs can be higher than you expect after a natural disaster, flood or storm affects a widespread area. We may bump up your sum insured by up to 10% if we find it's too low due to a rush on labour or supplies.

Main Home
Holiday Home
Rental Property

Gradual damage protection

We'll pay up to $2,500 to repair gradual water damage from internal and hidden pipes or supply tanks, so long as the damage first occurred after your policy started.

Main Home
Holiday Home
Rental Property

House under minor alteration

You're covered for any loss or damage that occurs due to your house undergoing minor alterations.

Main Home
Holiday Home
Rental Property

Mechanical or electrical burnout

We'll pay for the repairs if your house is damaged by burnout after a mechanical or electrical breakdown.

Main Home
Holiday Home
Rental Property

Natural disaster damage

Our house insurance policies include cover for natural disaster damage above the level already provided by the EQC.

Main Home
Holiday Home
Rental Property

No claims bonus

No house insurance claims in the last year? Congrats, you get a no claims bonus!

Main Home
Holiday Home
Rental Property

Property security

Badly damaged houses can be magnets for thieves and vandals. That's why we're happy to pay up to $2,000 to temporarily protect your property after damage or loss.

Main Home
Holiday Home
Rental Property

Key and lock replacement

We'll pay up to $1,000 (excess free) to make your home safe again if you have reason to believe that the security of the property has been compromised - through a stolen key, for example.

Main Home
Holiday Home
Rental Property

Loss of rent protection

We can cover rental properties for either $20,000 or six months' rent (whichever is less) if the house becomes uninhabitable as a result of a natural disaster covered by EQC.

Main Home
Holiday Home
Rental Property

Illegal substances decontamination

We'll help out with the cost of cleaning and repairs (up to $25,000) if you own a tenanted property, and that property is used without your knowledge for the manufacture, storage, use or distribution of drugs.

Main Home
Holiday Home
Rental Property

One event – one excess

If a single event happens and you need to claim under more than one Trade Me Insurance policy, you'll only have to pay the highest of your individual excesses.

Main Home
Holiday Home
Rental Property

Additional loss of rent

We’ll pay up to six weeks rent (limited to $500 a week) if you have to evict tenants or if they deliberately make the house uninhabitable. This is in addition to the Loss of rent benefit.

Main Home
Holiday Home
Rental Property

Deliberate damage by tenants

If your house is deliberately damaged by tenants or their guests, we’ll pay up to the specified sum insured to help with repairs.

Main Home
Holiday Home
Rental Property

Holiday home contents

We can provide cover up to $20,000 for the home appliances, furniture, furnishings and contents that are permanently left in your holiday home.

Main Home
Holiday Home
Rental Property

Landlords contents

We can provide cover for the home appliances, furniture, and chattels that are permanently left in your tenanted house. You can select the sum insured you need.

Main Home
Holiday Home
Rental Property

Full replacement for fire

If your house is damaged by fire we'll rebuild it as it was, even if the cost is more than your sum insured. This benefit is not available for Present day value policies and excludes fire following a natural disaster.

Main Home
Optional
Holiday Home
Optional
Rental Property
Optional

Glass excess buyout

We'll waive your excess if you make a claim for the replacement or repair of broken glass - and you'll hang on to your no claims bonus!

Main Home
Optional
Holiday Home
Optional
Rental Property
Optional

Recreational and special features

We'll extend your coverage to include damage to recreational and special features, such as swimming pools and tennis courts.

Main Home
Optional
Holiday Home
Optional
Rental Property
Optional

Retaining walls

We'll add coverage for any retaining walls on your property that are not attached or integral to your house.

Main Home
Optional
Holiday Home
Optional
Rental Property
Optional

Temporary accommodation expenses

We'll pay to cover any temporary accommodation expenses if the house you live in is deemed uninhabitable and we've accepted your claim. Payment is limited to $25,000 or for six months (whichever is less).

Main Home
Optional
Holiday Home
Rental Property

How to make a claim

Making a claim is uncomplicated too. It's as easy as completing an online claim form.
To keep things simple, we aim to get your claim settled quickly and without stress.