tower house insurance nz

Tower House Insurance

Tower Insurance has been providing insurance policies to Kiwis for over 150 years.  In 1987, they changed their name from Government Life Insurance Office (Government Life). Now, they have a wide range of insurance options to secure your future. They aim to help you reach financial aspirations at ease. To improve the quality of life, they’ll empower you to secure your important assets so you don’t need to worry about unforeseeable events.

With a Tower House Insurance policy, your home will be protected up to the sum insured. If your house gets damaged by fire, you can have it rebuilt to an amount more than the sum insured. You can also be entitled to a multi-policy discount when you purchase for more than policy with Tower House Insurance NZ. Start protecting your home and get an online quote today!

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Why sign up for Tower House Insurance?

Tower House Insurance NZ offers you with competitive options suited to your benefit. That’s why there are three types to choose from: Premium, Plus, and Standard. You can also save on money by paying only one excess when you make multiple claims in a single event. This streamlines your policies and helps you to better manage your claims.

Save up to 20% on premiums

With more than one Tower House Insurance policy, you can save up to 20% on premiums. When you bundle house and contents insurance, you can get a 10% discount of premiums as well. Tower Insurance values your house based on the sum insured, and not on fluctuating market prices. There’s no need to worry about being affected by house depreciation. If you want to see how much rebuilding your house is worth, use the Tower House Insurance calculator and find out!

Tower House Insurance Options

Choose an option that suits your preferences, budget, and needs. Tower House Insurance NZ puts Kiwis at the heart of their financial services.


Get a comprehensive cover that provides you with the following benefits:

  • Full replacement to sum insured if your house was destroyed by fire
  • Legal liability when something happens to your house that causes a damage to someone else’s property
  • Cover for natural disaster damage
  • Cover for gradual damage up to $3,000
  • WriteMark Plain Language Standard making the policy easy to read
  • Pay only the highest excess when you apply for a house and contents policies at the same time (‘one event, one excess’)
  • Replacement to sum insured if your house was destroyed
  • ...and many more!


This option insures your house when the damage was caused by fire. You’re also entitled to the following benefits:

  • Liability protection
  • Natural disaster cover
  • No claims bonus 
  • Cover for gradual damage up to $2,000
  • Cover for landscaping up to $2,000
  • Gardening retaining walls up to $25,000
  • ...and many more!


This is the most basic house insurance policy from Tower Insurance written in  WriteMark Plain Language Standard so you can understand it easily. Among others, you’re entitled to:

  • Full house replacement to sum insured when the damage was caused by fire
  • Liability protection
  • Natural disaster cover
  • No claims bonus
  • Cover for gradual damage up to $1,000
  • Cover for landscaping up to $1,000
  • Gardening retaining walls up to $15,000

Tower House Insurance NZ FAQs

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The sum insured of your house is the rebuilding costs. This is where the insurance policy will also be based, instead of the market value. You can seek for the help of an expert to help you compute, but you can also get an overview of the sum insured of your house using the Tower House Insurance calculator.

You can earn Airpoints Dollars when you make payments for your Tower House Insurance policy. You can also be eligible when you insure your car, contents, and motorcycle, and farm, among others, with Tower Insurance.

No. Tower Insurance currently offers a separate policy for landlords. Tower House Insurance NZ have to be owner-occupied and not rented out.