Skip to main content

General enquiries:

(04) 496 6800


0800 500 122

Police Home Insurance covers your home, outbuildings, walls, gates, fences, retaining walls and even your in-ground swimming pool. This insurance helps protect you from financial loss if your home is damaged or destroyed by unforeseen events.

Get a Quote or  Make a Claim 

Special Offer - Six month’s free home insurance

Police Welfare Fund members drawing down a new Police Home Loan are eligible for six-month’s free home insurance with Police Fire & General Insurance.



Accidental Damage Cover

This includes cover for accidental, sudden or unexpected damage to your home.

What will be paid?

The cost of rebuilding or repairing your as it was new, up to your sum insured* (including GST). Building materials and construction methods commonly used at the time of the loss will be used.

What does ‘sum insured’ mean?

Your home's sum insured is the total amount you would receive if your home is damaged beyond repair.  This is not the same as its market value. Sum insured is the amount you have decided to have your home covered for.

Here’s a link to a sum insured calculator should you wish to check:

If you wish to be sure, you may choose to have a professional insurance valuation done for you to confirm the rebuild cost.

View Home Insurance policy

Retaining walls and recreational features

In your policy retaining walls and recreational features (permanently fixed swimming pools and permanently fixed spa pools and tennis courts) have limited cover.  

This is called a policy limit or cover limit.

Methamphetamine contamination cover

Our Home Insurance now provides cover for contamination from both the manufacture and consumption of methamphetamine.

Cover is dependant on landlords ensuring that tenants are vetted and properties managed correctly to reduce the risk of meth contamination. See policy wording for full description of requirements.

General Insurances and Financial Strength Rating 

NZI, a business division of IAG New Zealand Limited, has an Insurer Financial Strength Rating of 'AA-' (Very Strong) by Standard and Poors (Australia) Pty Limited, an approved rating agency.

The rating scale is:

  • 'AAA'  Extremely Strong    'AA'  Very Strong    'A'  Strong
  • 'BBB'  Good    'BB'  Marginal    'B' Weak
  • 'CCC'  Very Weak    'CC'  Extremely Weak    'SD'  Selective Default
  • 'DDD'  Default    'R'  Regulatory Action    'NR'  Not Rated

*The ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. The rating scale above is in summary form. A full description of this rating scale can be obtained from