Whether it’s major damage from a natural disaster or a broken window caused by a fallen branch, we have the cover you need to protect your most important asset.
Every home is unique, which is why our comprehensive policies let you adjust certain cover limits to suit your property and add optional cover when you need it. Whether you have acres of land or a small inner-city lawn, cover limits for features like landscaping and retaining walls can be tailored to match your home. You can also customise your policy with additional options, such as excess-free glass replacement.
Talk to your broker about the cover option that’s right for you. They’re experts at saving you time, finding great value, and supporting you every step of the way – especially when it’s time to make a claim.
Elite House insurance for premium homes
Exceptional homes are defined by their unique design and features. Whether architecturally designed, thoughtfully renovated, or elevated with custom features, these homes deserve cover built to match.
Elite cover provides comprehensive protection and tailored benefits that take care of major events as well as life’s smaller inconveniences. It’s available for owner-occupied homes, holiday homes, and rental properties.
Purchase an Elite House policy and we’ll arrange a complimentary rebuild valuation to help ensure your sum insured reflects your home’s true rebuild cost. We’ve thought of everything, and more.
What you can do to make sure you have the right level of cover
Many New Zealanders’ homes are unintentionally underinsured so it’s important to check your sum insured and square metres each year, or when making improvements and renovations to your home, to ensure it’s still appropriate. You can update your sum insured at any time. Our guide to calculating square metres (SQM) and sum insured brochure will help explain how to get the right amount of cover for your home.
How the cost of house insurance is calculated and why it changes
There’s a lot that goes into calculating your premium to make sure that you are paying a fair price for your insurance cover. Find out what makes up your house insurance premium and how we work out the cost of your insurance.
Get expert advice from one of
New Zealand’s leading insurance brokers
As an underwriting agency, we sell our policies exclusively through most of New Zealand’s leading insurance brokers. Our broker partners have the specialist knowledge to assess your risk and provide expert advice, helping ensure you get the right cover for your needs.
These are some of the larger national partners we work with:
Personal insurance
Need more protection? Ando offers a range of cover options for your four walls, your four wheels and the things that matter to you.