Not all insurance policies are created equal

Whether it’s major damage caused by a natural disaster or more minor damage caused by a branch breaking your window, Ando has the cover you need to protect your most important asset. We know that every home is different, so our comprehensive policies are customisable, to provide you with exactly the amount of cover you require.

Great policy features

Area based replacement for non-natural disaster damage

If your house burns down, we’ll rebuild your house based on the square metres listed on your schedule – regardless of the cost. If your house is destroyed by a natural disaster like an earthquake, we’ll rebuild your house up to sum insured.

Furthermore, if the disaster is an area-wide one and this results in an inflation of building costs, our policies have built-in price surge cover to provide an extra layer of protection when you need it most.


Custom cover to suit your needs

Getting the right level of protection is important, so our policies allow you to adapt cover limits and add optional cover if you need it.

Adjustable cover limits
  • Some of us have acres of space and others, a small inner-city lawn. That’s why our cover limits for landscaping and retaining walls can be adjusted to suit your property.
  • Alternative accommodation cover is automatically included in our House policies. This pays for temporary accommodation for you, your family and your pets if you can't stay in your house following an event you claim on. The value of this cover can be increased to suit your needs.
Optional cover

You can customise your policy to include additional cover, like excess-free glass replacement. This means you won’t be required to pay an excess for the accidental breakage of glass or sanitary fixtures.

To find out about our other great House policy features, speak to your insurance broker, or for Kiwibank customers, click here.

  • We know that every home is different, so our comprehensive policies are customisable, to provide you with exactly the amount of cover you require.

Personal insurance

Need more protection? Ando has a range of cover options for your four walls, four wheels and the things that matter to you most.

Find out more

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