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House Insurance Uncomplicated cover for your biggest asset just got better Get a quote

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.

Working out how much your home would cost to replace is tricky, so here's something to help you out — just enter your address in the Cordell Sum Sure tool, check the details are up-to-date, and get an estimated rebuild cost.

To compare us to your current insurer, start a free quote here!

From a broken window to a total rebuild

We provide cover for sudden accidents and damage, from a broken window to the cost of a total rebuild up to how much you're covered for. Terms, conditions and underwriting criteria apply

Log in to make a claim

Want all the details?

Download our house insurance policy

We are changing our policies. For policies starting on or before 28 October 2024, download this policy. For policies starting on or after 29 October 2024, download this policy.


We also have a specialist Landlord's house policy. Cover to help protect you from the risks of renting your New Zealand property. For policies starting on or before 28 October 2024, download this policy. For policies starting on or after 29 October 2024, download this policy.

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Sum insured in 30 seconds

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Here's 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.

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 provide cover for unexpected events.
Find out more about what we cover

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.

This is a summary only. Please ensure you read the policy wording & certificate of insurance to understand the terms, conditions, limits and exclusions that apply. Check out the full policy documents above for all the details.

  • WriteMark Plain Language Standard

    This policy has been awarded the WriteMark Plain Language Standard.

    House
    Yes
    Landlord's house
    Yes

  • Extended sum insured for fire

    If your house is destroyed by fire, this benefit gives you up to 20% more cover than your sum insured. Excludes fires following natural hazards.

    House
    Yes
    Landlord's house
    Yes

  • Methamphetamine contamination

    We will cover you for up to $30,000 for the cost of repairing the physical damage to your rental house resulting from meth contamination. We'll only cover this damage if it occurs while we insure it.

    House
    No
    Landlord's house
    Yes

  • Loss of rent

    Up to eight months’ rent covered if your house is made uninhabitable by loss or damage covered under the policy while tenanted.

    House
    No
    Landlord's house
    Yes

  • Deliberate damage cover

    Cover up to $20,000, protecting you from deliberate damage to your property by your tenant and their guests.

    House
    No
    Landlord's house
    Yes
How to make a claim

Making a claim is uncomplicated too. It's easy as completing an online claim form.

To keep things simple, we aim to get your claim settled quickly and without stress.

  • The event
  • You claim online
  • We do our stuff
  • You get your settlement

Uncomplicated house cover for your biggest asset