Home Insurance

Protect one of your most valuable assets, so if your home is damaged or a complete loss caused by an accident, major weather event, natural disaster, or fire, you'll be able to get it repaired or rebuilt.

Get started View policy wording

Benefits at a glance

  • Temporary accommodation costs of up to $30,000 if your main home becomes unliveable due to loss or damage covered under your policy or Natural Hazards Cover (NHCover, previously EQCover).

  • Stress payment of $2,000 if you suffer a total loss of your home.

  • Option to add excess-free glass and bathroom fixtures benefit to cover things like windows, doors, sinks and baths.

  • Save money with a Multi-Product discount. Find out how it works.

Your cover

It's important to have the right level of cover and regularly check how much it would cost to rebuild your home. Your sum insured should be the estimated maximum amount it would cost to repair or rebuild your home if it was damaged or destroyed. It needs to include costs for things like fences, driveways, demolition, debris removal, compliance, professional fees and GST.

Here are two options which could help you determine the sum insured for your home:

  1. Use the Cordell Sum Sure calculator, or
  2.  Get an insurance valuation from a registered property valuer or quantity surveyor.

Your sum insured amount can also impact your basis of settlement - the most we pay for loss or damage to your home:

Sum insured replacement

If your home is damaged or destroyed, we'll pay the costs to repair or rebuild your home up to your total sum insured, minus any applicable excess. 


If your home is damaged or destroyed by fire or an explosion, we'll pay the costs to repair or rebuild your home up to the same floor area - even if it ends up costing more than your home sum insured, minus any applicable excess. 

To qualify for Replacement cover:

  • Use the Cordell Sum Sure calculator and choose a sum insured that's equal to or greater than the Cordell Sum Sure Estimate for your home, or
  • Give us a call on 0800 200 252 to find out more about Replacement cover and how to qualify.        

Limits still apply to certain items. Please refer to your policy wording for the full details as well as exclusions and other terms.

Find out more

Features and benefits of ASB Home Insurance

This table provides a summary of the features and benefits of ASB Home Insurance. Please read the policy wording to understand all the terms, conditions, limits and exclusions that may apply. 

Sudden and accidental loss or damage
Legal liability
Electronic programs
Hidden gradual damage
Methamphetamine contamination
Natural disaster
New structure build
Post-event inflation
Removal of debris
Replacement of keys and locks
Stress payment
Sustainability upgrade
Temporary accommodation
Water or sewage pipe blockage
All retaining walls
Up to $50,000
(Unless noted as a special feature)
A permanently fixed swimming pool (including necessary equipment)
Up to $50,000
(Unless noted as a special feature)
A bridge, culvert, permanent ford or dam
Up to $15,000
(Unless noted as a special feature)
Additional costs for heritage homes
Optional benefit available to purchase
Excess-free glass and bathroom fixtures
Optional benefit available to purchase
Lifestyle block fencing
Optional benefit available to purchase
Matching floor coverings
Optional benefit available to purchase

For full details including limits, conditions and exclusions, read the policy wording.

View policy wording Get started

Landlord's insurance

If you own a rental property, ASB Landlord's Home and Contents Insurance can cover you for things like damage to your rental home or the contents you've left for your tenants to use. There are also optional benefits for rent default or excess-free glass and bathroom fixtures.

Find out more

Get started today

1. Ready for a quote?

Get a quote online

2. Accept

Accept the quote and we'll put your cover in place. 

3. Update

If something changes that might affect your insurance, you can make changes online.


Need to make a home insurance claim?

How to make a claim

Here are some suggestions and things to have ready to make your claim as smooth as possible.

Learn more

Ready to make your claim?

When you're ready, make your claim online or call us.

Online form Call now

You might also like

Contents Insurance

Protect your furniture, appliances, mobile phone and other personal belongings with ASB Contents Insurance.

Car Insurance

From third party only to full cover, we've got the cover to meet your needs and budget. 

The availability of insurance cover is subject to your application being approved. Terms, conditions and exclusions apply. For full details, refer to the policy wording. Discounts apply to the base premium before GST and levies are factored in. Taxes and levies are subject to change as prescribed by legislation. Some discounts may also be applied to optional benefits. We apply our discounts one after another. This insurance is underwritten by IAG New Zealand Limited (IAG). See further details about IAG's financial strength rating.

Home and contents insurance House insurance