Let’s be real—house insurance can feel as thrilling as watching grass grow. But whether it’s a busted pipe or a not-so-friendly earthquake, having the right cover could save you heaps. To help you sort the big stuff without the hassle, we’ve pulled together the answers to some of the most common questions about house insurance in NZ. And hey, if you’re tired of wading through endless quotes, Quashed has got you covered—literally. Let’s dive in!
1. What’s the best house insurance in NZ?
The “best” house insurance isn’t one-size-fits-all—it depends on your needs. Are you looking for maximum cover for peace of mind? Or are you keen on something affordable that covers the essentials?
That’s where Quashed comes in. With real-time comparisons, you get up-to-date information on different providers and policies at your fingertips. No more outdated quotes or guesswork. We help you evaluate what’s best for you based on your budget, lifestyle, and home.
Why Quashed? You get real-time data, tailored results, and an easy-to-use platform. Find out more in our blog on MoneyHub Insurance vs Quashed Insurance to see how we stack up.
2. Who has the cheapest house insurance in NZ?
It’s tempting to go for the cheapest policy, but remember: you get what you pay for. Lower premiums might mean higher excess fees or limited coverage when it really matters.
Hot tip: Use Quashed to compare quotes in minutes. You might find a policy that’s affordable and covers your key risks. Plus, check out our blog on budget hacks for house insurance to stretch your dollar further.
3. How do renovations affect house insurance?
Did you know renovations like adding a deck or upgrading your kitchen can change the cost of your insurance? A bigger, flasher home often means higher premiums. On the flip side, adding safety features (like smoke alarms) might bring your costs down.
Pro tip: Always update your insurer after major renovations—failing to do so could leave you underinsured!
For more on this, head to our blog about home upgrades and their impact on insurance premiums.
4. How much should I insure my home for?
It’s crucial to get your “sum insured” amount right. This is the maximum amount your insurer will pay if your home is a total loss. Too low, and you’ll be out of pocket. Too high, and you’re overpaying for premiums.
Use a free tool like the Cordell Sum Sure Calculator or consult a professional—such as a registered valuer or quantity surveyor—to determine your home’s replacement cost. Read our blog for more information.
5. How do I compare house insurance in NZ?
Let’s talk about the typical process:
You visit multiple insurance provider websites.
You spend ages digging into policy details.
You write everything down (or copy and paste it into a spreadsheet).
You attempt to compare policies line by line.
It’s time-consuming, labour-intensive, and honestly, a bit of a headache. That’s where Quashed steps in. Instead of surfing multiple sites and losing hours of your life, we simplify the entire process. With real-time comparisons, you can instantly see quotes from leading NZ providers in one place. It’s fast, simple, and hassle-free.
Ready to simplify house insurance? Discover expert tips and tricks for comparing quotes quickly and confidently. Check out our blog on how to compare house insurance quotes in NZ.
6. What does house insurance cover?
Most house insurance policies cover:
Natural disasters (earthquakes, floods, storms)
Accidental damage (fire, burst pipes)
Theft or vandalism
Some exclusions, like wear and tear, are common. For older homes, specific risks—such as structural issues or outdated wiring—might impact your cover. Learn more about these considerations and how to choose the right policy in our blog.
The average Kiwi household can save
$2,023.79 a year by shopping their insurance!
Find out how your renewal prices stack up against other options out there!
Why 45,000+ Kiwis trust Quashed
Let’s face it—nobody’s idea of fun is reading insurance fine print, right? That’s where Quashed steps in.
Real-time comparisons make us a standout from others. Our platform:
Shows up-to-date quotes from insurance providers.
Lets you evaluate policies side-by-side with ease.
Saves you hours of effort, so you can focus on what really matters.
Shop smarter with Quashed
Insurance just got way easier with Quashed. Compare, shop and track all your insurance in one place.
Your home, Your protection, Your call
Your home isn’t just bricks and mortar—it’s your safe space. Protecting it should feel empowering, not exhausting. With Quashed, you’ll find the right cover quickly and confidently, thanks to our real-time comparisons and no-fuss process.
Ready to simplify insurance? Compare house insurance now and take the first step towards peace of mind.
Market Scan quotes are direct from insurers
So you won’t pay more with Quashed
