THIS PAGE HAS NOT BEEN UPDATED SINCE EARLY 2011.
It is being made available only for archival purposes, and reflects the situation prior to the Christchurch earthquakes.
It does not reflect current premium rates or coverage. Do not use it for current reviews.
IMPORTANT: Following the Christchurch earthquakes, the cost of all house and contents insurance nationwide will rise substantially. It is expected that the rates listed on this page might rise by about 50% over the next few months, although the relative levels will probably stay similar.
We are reviewing this data, but given the uncertainty of individual rate changes it may need to be withdrawn soon.
In the meantime, it will still be useful for features, and for relative price positioning.
| Company | Plan name |
Product
Score |
Excess
$ |
|||||||
| Profiles: The information on this page does not cover every option, but shows a range of profiles which may relate to your house insurance requirements. Price is not the most important aspect in selecting appropriate cover for your house protection. We strongly recommend you only use this page to do an initial assessment, and that you use the links to the coverage details on this page to begin your review. The profiles we have on this page are: | ||||||||||
| Over 65, 150 m2 plus garage, $210,000, weatherboard, built in 1950 | ||||||||||
| Family w/ teenage children, 250 m2 plus garage, $410,000, stucco, built in 2004 |
 |
|||||||||
| Young couple, 200 m2 plus garage, $330,000, cladding, built in 2005 | ||||||||||
| Note: Click on the Plan Name for more information about what is covered. | ||||||||||
| Company | Plan name |
Product
Score |
Excess
$ |
AKL
BrownsBay |
AKL
Papatoetoe |
Hamilton
|
Tauranga
|
WLG
Kilbirnie |
CHC
Redwood |
Dunedin
|
|
more cities continue below ...
|
||||||||||
| Profile - | Owners: couple over 65 years | |||||||||
| Property: 150 m2 plus garage of 18 m2, or market value sum insured of $210,000 (excl. land) | ||||||||||
| Construction: weatherboard and tile roof, 1950 property, owner-occupied and private use | ||||||||||
| AA Insurance | HomeCover (Defined Benefits) |
52%
|
$200
|
443.88 | 392.57 | 370.67 | 399.46 | 426.34 | 381.58 | 381.58 |
|
AA Insurance
|
Home Cover (Accidental Damage) |
62%
|
$200
|
535.09 | 468.66 | 440.29 | 477.57 | 512.38 | 454.40 | 454.40 |
| AMI | Premier |
57%
|
$200
|
387.87 | 437.92 | 414.29 | 445.04 | 482.14 | 409.28 | 405.51 |
| Ansvar | Home |
68%
|
$250
|
505.89 | 505.89 | 467.62 | 476.62 | 505.89 | 451.63 | 451.63 |
| BNZ | Premiercare |
69%
|
$250
|
446.90 | 546.44 | 524.03 | 515.48 | 465.64 | 491.45 | 492.35 |
| NZI | Supersurance |
77%
|
$150
|
592.69 | 592.69 | 581.52 | 398.98 | 581.52 | 559.56 | 559.56 |
| NZI | Echelon Home |
84%
|
$150
|
623.56 | 607.74 | 559.53 | 504.04 | 605.11 | 592.57 | 534.20 |
| State | Comprehensive |
74%
|
$250
|
453.27 | 583.42 | 445.80 | 419.39 | 639.88 | 425.62 | 412.18 |
| State | Home Essentials |
51%
|
$250
|
391.27 | 493.70 | 392.62 | 359.06 | 567.16 | 371.29 | 365.50 |
| Tower | Maxi House |
73%
|
$200
|
346.21 | 445.03 | 439.85 | 344.48 | 375.94 | 303.19 | |
| Vero | MaxiPlan |
68%
|
$150
|
453.10 | 475.18 | 470.36 | 491.64 | 514.59 | 527.81 | 527.69 |
| Westpac | Home Cover |
75%
|
$150
|
470.55 | 470.55 | 446.02 | 446.02 | 466.87 | 435.04 | 435.04 |
| Company | Plan name |
Product
Score |
Excess
$ |
Whangarei
|
Napier
|
Palm
North |
Lower
Hutt |
Nelson
|
|
|
| Profile - | Owners: couple over 65 years | |||||||||
| Property: 150 m2 plus garage of 18 m2, or market value sum insured of $210,000 (excl. land) | ||||||||||
| Construction: weatherboard and tile roof, 1950 property, owner-occupied and private use | ||||||||||
| AA Insurance | HomeCover (Defined Events) |
52%
|
$200
|
475.36 | 381.58 | 395.07 | 426.34 | 366.28 | ||
|
AA Insurance
|
Home Cover (Accidental damage) |
62%
|
$200
|
575.86 | 454.40 | 471.89 | 512.38 | 434.61 | ||
| AMI | Premier |
57%
|
$200
|
440.16 | 405.71 | 434.82 | 466.29 | 438.78 | ||
| Ansvar | Home |
68%
|
$250
|
467.62 | 467.62 | 467.62 | 505.89 | 451.63 | ||
| BNZ | Premiercare |
69%
|
$250
|
559.79 | 519.29 | 422.93 | 460.35 | 497.86 | ||
| NZI | Supersurance |
77%
|
$150
|
398.98 | 581.52 | 581.52 | 581.52 | 559.56 | ||
| NZI | Echelon Home |
84%
|
$150
|
551.88 | 594.78 | 555.02 | 608.56 | 537.12 | ||
| State | Comprehensive |
74%
|
$250
|
543.92 | 547.79 | 512.36 | 521.98 | 421.85 | ||
| State | Home Essentials |
51%
|
$250
|
462.14 | 465.36 | 436.37 | 450.53 | 373.87 | ||
| Tower | Maxi House |
73%
|
$200
|
432.47 | 361.68 | 330.72 | 375.94 | |||
| Vero | MaxiPlan |
68%
|
$150
|
437.00 | 480.43 | 480.43 | 461.84 | 512.33 | ||
| Westpac | Home Cover |
75%
|
$150
|
446.02 | 446.02 | 446.02 | 466.87 | 435.04 | ||
| Company | Plan name |
Product
Score |
Excess
$ |
AKL
BrownsBay |
AKL
Papatoetoe |
Hamilton
|
Tauranga
|
WLG
Kilbirnie |
CHC
Redwood |
Dunedin
|
|
more cities continue below ...
|
||||||||||
| Profile - | Owners: Family with teenage children | |||||||||
| Property: 260 sq m plus garage of 36 sq m, market sum insured of $410,000 (excl. land) | ||||||||||
| Construction: stucco and shingle roof, built 2004, owner occupied and private use. | ||||||||||
| AA Insurance | HomeCover (Defined Events) |
52%
|
$200
|
636.66 | 585.37 | 550.31 | 579.11 | 605.98 | 552.47 | 552.47 |
| AA Insurance | Home Cover (Accidental Damage) |
62%
|
$200
|
784.75 | 718.32 | 672.92 | 710.22 | 745.02 | 675.72 | 675.72 |
| AMI | Premier |
57%
|
$200
|
516.22 | 555.10 | 521.81 | 608.86 | 647.12 | 536.56 | 459.90 |
| Ansvar | Home |
68%
|
$250
|
741.70 | 741.70 | 666.45 | 666.45 | 741.70 | 650.45 | 650.45 |
| BNZ | Premiercare |
69%
|
$250
|
647.07 | 757.68 | 599.34 | 708.38 | 790.10 | 704.92 | 660.35 |
| NZI | Supersurance |
77%
|
$150
|
671.77 | 671.77 | 657.52 | 555.01 | 657.52 | 635.57 | 635.57 |
| NZI | Echelon Home |
84%
|
$150
|
897.51 | 872.65 | 651.64 | 624.14 | 769.73 | 752.71 | 678.04 |
| State | Comprehensive |
74%
|
$250
|
664.94 | 874.97 | 657.28 | 535.29 | 980.92 | 628.39 | 601.68 |
| State | Home Essentials |
51%
|
$250
|
547.85 | 710.22 | 554.94 | 486.65 | 792.68 | 520.80 | 511.13 |
| Tower | Maxi House |
73%
|
$200
|
816.74 | 685.91 | 699.80 | 521.30 | 877.02 | 550.44 | 530.84 |
| Vero | MaxiPlan |
68%
|
$150
|
660.10 | 667.46 | 698.47 | 734.76 | 569.78 | 766.99 | 766.99 |
| Westpac | Home Cover |
75%
|
$150
|
651.61 | 651.61 | 621.80 | 621.90 | 651.85 | 598.61 | 598.61 |
| Company | Plan name |
Product
Score |
Excess
$ |
Whangarei
|
Napier
|
Palm
North |
Lower
Hutt |
Nelson
|
|
|
| Profile - | Owners: Family with teenage children | |||||||||
| Property: 260 sq m plus garage of 36 sq m, market sum insured of $410,000 (excl. land) | ||||||||||
| Construction: stucco and shingle roof, built 2004, owner occupied and private use. | ||||||||||
| AA Insurance | HomeCover (Defined Events) |
52%
|
$200
|
668.08
|
556.85
|
570.34
|
605.98
|
537.17
|
||
| AA Insurance | Home Cover (Accidental Damage) |
62%
|
$200
|
825.53
|
681.37
|
698.86
|
745.02
|
655.90
|
||
| AMI | Premier |
57%
|
$200
|
550.56
|
508.81
|
615.21
|
617.95
|
544.63
|
|
|
| Ansvar | Home |
68%
|
$250
|
666.45
|
666.45
|
666.45
|
741.70
|
650.45
|
|
|
| BNZ | Premiercare |
69%
|
$250
|
671.34
|
698.99
|
699.50
|
|
698.27
|
|
|
| NZI | Supersurance |
77%
|
$150
|
657.52
|
657.52
|
657.52
|
657.52
|
635.57
|
|
|
| NZI | Echelon Home |
84%
|
$150
|
766.52
|
838.24
|
771.30
|
853.09
|
714.44
|
|
|
| State | Comprehensive |
74%
|
$250
|
811.47
|
817.27
|
759.29
|
786.34
|
617.79
|
|
|
| State | Home Essentials |
51%
|
$250
|
661.26
|
665.76
|
621.30
|
643.20
|
524.01
|
|
|
| Tower | Maxi House |
73%
|
$200
|
685.93
|
552.76
|
552.76
|
|
550.54
|
|
|
| Vero | MaxiPlan |
68%
|
$150
|
661.12
|
716.13
|
716.13
|
|
742.03
|
|
|
| Westpac | Home Cover |
75%
|
$150
|
621.80
|
621.80
|
621.80
|
651.85
|
598.61
|
|
|
| Company | Plan name |
Product
Score |
Excess
$ |
AKL
BrownsBay |
AKL
Papatoetoe |
Hamilton
|
Tauranga
|
WLG
Kilbirnie |
CHC
Redwood |
Dunedin
|
|
more cities continue below ...
|
||||||||||
| Profile - | Owners: Young couple, no children | |||||||||
| Property: 200 sq m plus garage of 36 sq m, market sum insured of $330,000 (excl. land) | ||||||||||
| Construction: cladding under longrun iron roof, built 2005, owner occupied and private use. | ||||||||||
| AA Insurance | HomeCover (Defined Events) |
52%
|
$200
|
619.30
|
559.30
|
528.55
|
562.23
|
593.67
|
536.20 |
536.20
|
| AA Insurance | HomeCover (Accidental Damage) |
62%
|
$200
|
762.27
|
684.57
|
644.75
|
688.36
|
729.07
|
654.65
|
654.65
|
| AMI | Premier |
57%
|
$200
|
488.01
|
497.82
|
474.82
|
505.66
|
571.20
|
461.02
|
458.68
|
| Ansvar | Home |
68%
|
$200
|
700.33
|
700.33
|
633.60
|
633.60
|
700.33
|
615.84
|
615.84
|
| BNZ | Premiercare |
69%
|
$250
|
831.06
|
660.93
|
618.61
|
621.15
|
689.26
|
575.96
|
580.79
|
| NZI | Supersurance |
77%
|
$150
|
592.69
|
592.69
|
581.52
|
581.52
|
581.52
|
559.56
|
559.56
|
| NZI | Echelon Home |
84%
|
$150
|
846.76
|
823.20
|
593.02
|
568.70
|
718.21
|
764.58
|
721.18
|
| State | Comprehensive |
74%
|
$250
|
648.42
|
858.45
|
654.95
|
559.05
|
964.74
|
612.11
|
585.85
|
| State | Home Essentials |
51%
|
$250
|
541.52
|
707.11
|
548.62
|
479.03
|
791.51
|
513.82
|
504.16
|
| Tower | Maxi House |
73%
|
$200
|
807.54
|
708.13
|
|
535.80
|
846.54
|
527.52
|
601.12
|
| Vero | MaxiPlan |
68%
|
$150
|
578.68
|
578.68
|
591.59
|
620.80
|
616.47
|
575.53
|
545.72
|
| Westpac | Home Cover |
75%
|
$150
|
675.53
|
675.53
|
641.30
|
641.28
|
673.69
|
619.22
|
619.22
|
| Company | Plan name |
Product
Score |
Excess
$ |
Whangarei
|
Napier
|
Palm
North |
Lower
Hutt |
Nelson
|
|
|
| Profile - | Owners: Young couple, no children | |||||||||
| Property: 200 sq m plus garage of 36 sq m, market sum insured of $330,000 (excl. land) | ||||||||||
| Construction: cladding under longrun iron roof, built 2005, owner occupied and private use. | ||||||||||
| AA Insurance | HomeCover (Defined Events) |
52%
|
$200
|
656.13
|
541.32
|
557.11
|
593.67
|
518.31
|
||
| AA Insurance | HomeCover (Accidental Damage) |
62%
|
$200
|
809.96
|
661.28
|
681.72
|
729.07
|
631.48
|
||
| AMI | Premier |
57%
|
$200
|
490.97
|
547.08
|
557.21
|
519.03
|
543.89
|
|
|
| Ansvar | Home |
68%
|
$200
|
633.60
|
633.60
|
633.60
|
700.33
|
615.84
|
|
|
| BNZ | Premiercare |
69%
|
$250
|
769.77
|
613.61
|
614.67
|
|
593.25
|
|
|
| NZI | Supersurance |
77%
|
$150
|
581.52
|
581.52
|
581.52
|
581.52
|
559.56
|
|
|
| NZI | Echelon Home |
84%
|
$150
|
708.20
|
773.19
|
823.92
|
786.65
|
671.57
|
|
|
| State | Comprehensive |
74%
|
$250
|
795.04
|
800.84
|
742.84
|
770.16
|
601.96
|
|
|
| State | Home Essentials |
51%
|
$250
|
656.86
|
662.01
|
616.27
|
638.82
|
517.04
|
|
|
| Tower | Maxi House |
73%
|
$200
|
708.13
|
569.50
|
569.50
|
|
508.20
|
|
|
| Vero | MaxiPlan |
68%
|
$150
|
556.14
|
605.65
|
605.65
|
|
549.03
|
|
|
| Westpac | Home Cover |
75%
|
$150
|
641.30
|
641.30
|
641.30
|
673.69
|
619.22
|
|
|
|
|
||||||||||
| Note: Click on the Plan Name for more information about what is covered. | ||||||||||