Recent Weather Reports
Our thoughts are with anyone affected by the recent weather events. We’re here to help with any support on claims – there is a longer wait time on phone calls so in the first instance, please email us at cover@blanket.co.nz or make a claim here. If the request is urgent, please call us on 0508 252 653. We appreciate your patience while we experience a high volume of enquiries. Stay safe, we have you covered.

close button

Home Insurance

We’re proud to offer a unique Non-Natural Disaster Square Metre Replacement benefit that covers repairs or rebuilding in the event of damage unrelated to a natural disaster regardless of the cost.

Overview

Featured Policies

Standard

Comprehensive

Non Natural Disaster Damage

Standard

Will rebuild the house based on square metres, listed on the schedule - regardless of the cost.

Comprehensive

Will rebuild the house based on square metres, listed on the schedule - regardless of the cost.

Natural Disaster Damage

Standard

Up to the sum insured.

Comprehensive

Up to the sum insured.

Legal Liability

Standard

$2,000,000 for loss to other people’s property; and

$1,000,000 for bodily injury.

Comprehensive

$2,000,000 for loss to other people’s property; and

$1,000,000 for bodily injury.

New Build Work

Standard

Pays up to $20,000 during the life of the policy.

Comprehensive

Pays up to $50,000 during the life of the policy.

Temporary Accommodation

Standard

Over 12 months up to $20,000.

Comprehensive

Over 12 months up to $50,000.

Hidden Gradual Damage

Standard

$3,000 per event

Comprehensive

$5,000 per event

Great for rental properties

Standard

Built in cover for rental properties - Loss of rent up to $30,000 and International Acts caused by fire or explosion.
No cover for use of manufacture of drugs for rental properties.

Comprehensive

Built in cover for rental properties - Loss of rent up to $50,000 and International Acts caused by fire or explosion.
Covers for use of manufacture of drugs for rental properties.

Optional Benefits

Excess Free Glass Cover

Standard

Yes

Comprehensive

Yes

Extra Landscaping Cover

Standard

Yes

Comprehensive

Yes

Landlord Extension (if the house is listed as a rental property & you comply with landlord obligations)

Standard

Not Available

Comprehensive

Yes
Download full policy details

FAQ

One of Blanket’s standout benefits for house insurance is the replacement cover for non-natural disasters, eg. a house fire. Instead of capping the rebuild value at the sum insured on the schedule, you are eligible for a benefit to have your house rebuilt to the standard that it was regardless of the cost, even if it exceeds your sum insured on your policy.

You are able to obtain an insurance valuation report or quantity surveyor report from an independent company. Another tool you can use is the Cordell Sum Insured Calculator that uses market research to provide an estimated building cost. Note that you are responsible for deciding if the amount the calculator gives you is an accurate estimate.

If you list a property as a rental property you do need to ensure that you have a tenancy agreement in place and are meeting the landlord obligations in the policy wordings, eg. keeping records of your 3-monthly property inspections (see policy wordings for full details).

Need to make a claim?

Select your claim type below and complete the form online. You can also call our claims support team on 0508 252 653.

Make a Claim