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House insurance

The house is back in one piece.
And so am I.

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What Kiwis are saying about
Trade Me Insurance

Average Customer Review

Trade Me Insurance's Overall Customer Review:
4.53/5 (August 2016)

Recent Feedback

Very pleased. Very cheap. Very friendly staff. And very easy claim process. Couldn't recommend them enough!

– Liam, Wellington

Easy to use, straight forward questions and rates well below any other insurance companies that I got quotes from.

– Alan, Auckland

Fantastic experience with Trademe insurance. Click of a few buttons and it's sorted.

– Brad, Wanganui

Very easy to set up, tried a number of insurances and Trademe was the cheapest.

– Caroline, Christchurch

Best insurance website I have ever used, very user friendly and making changes to my policy is simple.

– Daniel, Auckland

Now that i have found trade me insurance there's no going back to anything esle. I highly recommend them.

– Donna, Christchurch

I have found Trade Me Insurance easy to set up and market competitive. Excellent.

– Elvin, Lower Hutt

Cheapest price by far for car insurance for me 5/5 would recommend!

– Gary, Christchurch

Competitive, easy to use, comfort of being backed by well know established insurance provider ... happy customer.

– Hayden, Wellington

Thanks Trade Me Insurance, saved me about 50% on what I had previously been paying, Cheers.

– Ian, South Canterbury

As a Trade Me member, the price of my insurance is better than anywhere else. Quality is not compromised...

– Jason, Auckland

Can't ask for more than a simple quoting and purchase process combined with a very reasonable price!

– Jay, Christchurch

Online help, fantastic easy signup and already spread the word on Facebook and twiiter

– John, Auckland

It was all very simple and the quote was very competitive.

– Kelly, Auckland

Great online process and when I had a question the chat service was excellent.

– Louise, Auckland

Easy to set up and rates far cheaper than any competitor!

– Luke, Auckland

I thoroughly researched? and came to a conclusion that Trade Me Insurance is best in terms of its value and coverage.

– Renoh, Auckland

Trade Me insurance beat my previous premiums by $4 a week, when you add that up over a year it's a weekend away!

– Reuben, Whangarei

Excellent service and great value for money. When I needed help it was quick, efficient and helpful.

– Rob, Gisborne

Fantastic service when we needed to make a claim, super quick over Christmas and really made a bad situation as easy as possible!

– Simon, Hamilton

Perfect Example of how customer service should be. Best insurance provider that I have dealt with, and by far the cheapest.

– Sophie, Whangarei

I have used trademe since they have existed and now even used there insurance, keep up the good work guys

– Tim, Auckland

VERY simple to set up and beat all the prices others gave me

– Tom, Wellington

Easiest insurance sign up I have had and a great price to insure my vehicle

– Adrian, Rotorua

Come on in

No one wants an 80 page document in their mailbox. So instead, here’s a summary of our house insurance offering in a fun 60 second video.

Play

Easy as!

Now you've got the basics, take a look at the fully furnished policy document or grab a quote. It's quick and easy, just like this video

Download Policies

Stuff happens. Be ready for it.

Sometimes houses burn down, they get flooded, they get vandalised. House insurance is your ticket to peace of mind and security, even when everything seems to be going wrong.

You can’t predict the unexpected, but you can prepare for it. With house insurance, you can cover your house for the amount it would cost to rebuild.

You can also buy optional add-ons that will cover special features like swimming pools, and ensure you can pay for a place to live while your house is being repaired.

What am I covered for?

You’re covered for unexpected events such as:

Flooding

Wet weather got you down? We’ll cover you for water damage as a result of flooding (although you’ll need to provide your own gumboots).

Earthquakes

Kiwis know a thing or two about earthquakes. If the big one hits and damages your home, we’ll help repair or rebuild.

Vandalism

In the unlikely event that some unknown scallywag intentionally damages your home, we’ll pay to repair it.

Fire

Our standard policy will cover your property for its sum insured value in the event of fire. You can also add cover for the full replacement cost, although this won’t apply if the fire is caused by a natural disaster.

Just letting you know...

There are some things your insurance policy won’t cover. For example, a house insurance policy won’t cover you for everyday wear and tear, or damage caused by pre-existing problems. We also can’t cover houses built before 1900, or that are on the Heritage List.

We can’t start new insurance policies for properties that are unoccupied, either. If you’re unsure about whether your house is eligible for Trade Me Insurance, fire up a live chat, or check out the policy doc for more details.

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 document at the bottom of this page for all the details.

Benefits

Main Home
Holiday House
Rental Property
Accidental damage

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

What happens when something happens?

Insurance feels simple until it's time to claim. We've made it our mission to change that.

With Trade Me Insurance, you can lodge, review and manage claims online - all from the comfort of the My Insurance hub. Just log in, tell us what happened, and we'll take it from there.

How much will it cost?

Now to the nuts and bolts: how much is house insurance actually going to cost? Let’s break it down.

  • The cost of your insurance is made up of two parts - your premium and your excess.
  • Your premium is the amount you pay for your cover. Your excess is a one-off payment you make each time you claim.
  • We’ll decide your premium for you, based on a range of factors such as the value of your house and its location.
  • It’s up to you to decide the amount of excess you’ll pay.

Your excess options

Have a play around and see how changing your excess will affect your premium.

The lower your excess, the higher your premium will be, so it’s all about finding a balance that’s right for you.

Your Excess

Your Premium

FYI's

Here’s some handy tips to help you get your head around our house insurance policies.

What’s the difference between house and contents insurance?

Imagine you’re Godzilla. Fun, right? Now imagine that you took your house and tipped it upside down. Everything that fell out would generally be covered under your contents insurance policy, while everything that stayed in the house would generally be covered under your house insurance.

What is my ‘sum insured’?

The Christchurch earthquakes have forced the insurance industry to change how we deal with house insurance. Now, rather than just insuring your home for its replacement value, you’ll need to set a ‘sum insured’. This amount needs to be enough to not only rebuild your home from scratch, but also deal with any potential demolition and compliance costs.

Who sets my sum insured?

You do. It’s your responsibility to set a sum insured for your property that will cover all potential rebuilding expenses. Make sure to think this through carefully. We’re not trying to scare you, but people have been tripped up in the past after setting a sum insured that is too low for their house.

Will you pay for my temporary accommodation?

We can do, but this is an optional add-on that you’ll have to sign up for when buying your policy. If you do opt for temporary accommodation cover, we’ll pay up to $25,000 towards providing you with a short-term place to live until your house is livable again.

Want to dive into our house insurance policy document?

Download house insurance policy PDF Download PDF
or

Let’s have a quick look at how much it would cost to insure your house with Trade Me Insurance.

Get a quote for house insurance

There’s more where this came from…

Can’t get enough of insurance? Check out our other offerings.

Contents insurance

Your things aren’t just 'things'. Protect the stuff that matters with contents insurance.

Find out more

Car insurance

Accidents happen, and people make mistakes. Protect your ride with car insurance.

Find out more