House Insurance Auckland NZ

As a property owner, having House Insurance in Auckland is not only compulsory but it is a necessity. In fact, most of the banks make it compulsory – the reason behind is that the bank would want to protect their investment and since the bank advanced you with a house loan – they want you to be able to either have the house or be in the position to rebuild it.

Why House insurance?

If your House gets totally or partially destroyed, most people do not have the funds available to build the house again. Do you?
Your House is different from your neighbor’s – even though it might look the same from the outside. It will require different amounts of money to rebuild your house compared to your neighbor’s. Keep in mind New Zealanders prefer an individual type of construction – to compare to Australia where lots of alike houses.
In the past – just a couple of years ago New Zealanders used to insure their houses for “Area Replacement” – where you would declare the size of the house and the insurer would charge you the premiums. In 2012, House Insurance approached in New Zealand was changed and it is now based on Sum Insured. “Sum Insured” is the total amount required to rebuild your home, including all improvements to your property (excluding land). “Sum Insured” should include Price for the house, garage, retaining walls, decks, outbuildings, garden sheds, driveways, paths, swimming and spa pools, council fees, removal of debris, architects fees, surveyors and consultation fees as well as inflation. It is recommended to have a current valuation done in order to establish the correct amount of “Sum Insured” We all know – it can be quite expensive to get an insurance valuation done and that is why the government and the insurers introduce calculators in order to help homeowners in New Zealand to establish correct value of their houses for insurance purposes.

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As per regulations introduced in 2012, you, as the owner of the House have to tell the Insurance Company the Sum Insured for the House you want to insure.

If you do not want to establish Sum Insured yourself, you can seek independent advice from a builder, architect, quantity surveyor or registered value. You will have to request a valuation for insurance purposes.

Alternatively, please use one of the tools below to establish the Sum Insured for your House.

Insurance Companies in New Zealand use $2,000 per square meter as a default value; however please keep in mind that most Houses cannot be built again for $2,000 per sqm only due to the reason that if you have to rebuild you would have to take care of the damaged house remaining’s.

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Testimonials from our existing clients

Vlad would be able to help you with your personal finance and insurance advice

I have met Vlad Ivanov through a family member when I urgently needed my first home loan. Vlad made the whole process incredibly easy and painless. He has also organised my insurance package including income protection. Income protection insurance was something other brokers could not help me with. If you are looking for a an insurance adviser look no further, Vlad would be able to help you with your personal finance and insurance advice.

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5.0
2016-04-19T15:01:39+12:00
I have met Vlad Ivanov through a family member when I urgently needed my first home loan. Vlad made the whole process incredibly easy and painless. He has also organised my insurance package including income protection. Income protection insurance was something other brokers could not help me with. If you are looking for a an Read more →

Vlad has renewed my faith in customer service

Fast, professional service! Vlad has renewed my faith in customer service. Vlad was an absolute pleasure to deal with. Vlad listened to our instructions, provided us with great advice and arranged insurance for exactly what we needed. Vlad returned every call and email promptly. I highly recommend his services and will continue to use him in the future. Thanks again Vlad.

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5.0
2016-04-19T11:29:08+12:00
Fast, professional service! Vlad has renewed my faith in customer service. Vlad was an absolute pleasure to deal with. Vlad listened to our instructions, provided us with great advice and arranged insurance for exactly what we needed. Vlad returned every call and email promptly. I highly recommend his services and will continue to use him Read more →

Vlad does everything for you from start to finish to achieve top result

We have been with Vlad Ivanov for a few years and we are very happy with all aspects of insurances he does for us. Vlad offers professional and prompt service and is a nice person to deal with. If you require to do a claim then Vlad does everything for you from start to finish to achieve top result and hassle free experience for the client. I can highly recommend Vlad to people who are thinking about any type of insurance.

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5.0
2016-04-19T15:12:45+12:00
We have been with Vlad Ivanov for a few years and we are very happy with all aspects of insurances he does for us. Vlad offers professional and prompt service and is a nice person to deal with. If you require to do a claim then Vlad does everything for you from start to finish Read more →

Vlad was extremely helpful and informative

Vlad was extremely helpful and informative about everything that concerned our insurance. Very straightforward and easy to deal with, he provided us all the information we required quickly and accurately and that was key in making a decision to go ahead with the insurance. Would definitely recommend his work to anyone!!

Teresa Ferreira Morais
5.0
2016-04-19T11:58:58+12:00
Vlad was extremely helpful and informative about everything that concerned our insurance. Very straightforward and easy to deal with, he provided us all the information we required quickly and accurately

The insurance policy was processed within hours

I shopped around online for competitively priced landlord insurance for my New Zealand apartment, from my lounge here in Sydney. Vlad replied more quickly than any of the other competitor respondents and answered my questions personally both by email and phone. Besides providing me with a competitive quote and prompt responses, I found his friendly and polite manner most reassuring. The insurance policy was processed within hours and a copy emailed to me. I would recommend him to anyone looking to sort out their insurance matters.

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5.0
2016-04-19T11:50:52+12:00
I shopped around online for competitively priced landlord insurance for my New Zealand apartment, from my lounge here in Sydney. Vlad replied more quickly than any of the other competitor respondents and answered my questions personally both by email and phone.

Vlad is a diligent insurance adviser



Vlad is a diligent insurance adviser. He took time to understand our family's needs, and was patient with my request for multiple scenarios.




Dominic Bish
5.0
2016-04-19T14:56:07+12:00
Vlad is a diligent insurance adviser. He took time to understand our family's needs, and was patient with my request for multiple scenarios.

Vlad helped me without pressure and answered all my questions

Great service! I needed a tailor-made approach for rental properties in NZ. I live outside of the country and had specific needs related to being an absent owner. Vlad helped me without pressure and answered all my questions. He provided me with a great solution at a price much better than I had paid before with another company!

Liesbeth van Eerten
5.0
2016-04-19T13:14:45+12:00
Great service! I needed a tailor-made approach for rental properties in NZ. I live outside of the country and had specific needs related to being an absent owner. Vlad helped me without pressure and answered all my questions

I highly recommend Vlad to anyone thinking about any type of insurance!

Vlad has been our insurance broker for over 3 years now and in this time he has always provided superb, efficient, professional and expert service / aid whenever we have needed his support or assistance. Vlad is very diligent with ensuring that our insurance is exactly what we need and is more than happy to go above and beyond when required and is proactive with sending updates or recommendations to us when necessary. I highly recommend Vlad to anyone thinking about any type of insurance!

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5.0
2016-04-19T11:54:47+12:00
Vlad has been our insurance broker for over 3 years now and in this time he has always provided superb, efficient, professional and expert service / aid whenever we have needed his support or assistance. Vlad is very diligent with ensuring that our insurance is exactly what we need and is more than happy to Read more →

I recently had the pleasure of being assisted by Vlad Ivanov

I recently had the pleasure of being assisted by Vlad Ivanov. I had encountered quite a complicated issue with my insurance, and Vlad went above and beyond to help me sort it out. He dealt with the issue swiftly, keeping me up to date with what was happening, and reassuring me that all would work out ok. And it did thanks to his professional service, which meant that all was resolved quickly and efficiently. I feel comforted knowing that Vlad is someone I can contact at any time regarding my insurance.

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5.0
2016-04-19T12:03:00+12:00
I had encountered quite a complicated issue with my insurance, and Vlad went above and beyond to help me sort it out. He dealt with the issue swiftly, keeping me up to date with what was happening, and reassuring me that all would work out ok.
5.0
9

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