Tobin Insurance Services for life, medical, fire, general insurance

House and Contents Insurance

Making sure your house is insured for full replacement value based on its floor area is most important. You do not want to insure your house based on a sum insured in case the sum insured is not adequate to rebuild your house in event of a total loss claim.

Contents should also be insured for replacement, or new for old. There are some household items that are not insured for new for old such as footware and clothing.

We have a contents valuation guide that you can work through to help establish what sum insured you should have for your household contents and personal effects.

Having your house and contents insured with the same company is wise as you will only be dealing with one loss adjuster in event of a major claim, will get extra premium discounts and usually be only liable for one excess where a claim affects both the house and contents at the same time.

It is not important however to have your car insured with the same insurance company. This can be insured economically elsewhere as different terms, conditions and considerations apply to motor vehicle insurance.

Vero Insurance is our preferred House and Contents insurer. Vero Insurance NZ Ltd has an A+ (Strong) insurer financial strength rating given by Standard and Poors (Australia) Pty Ltd on 7 January 2011.

For a House and Contents insurance quote, Contents Valuation guide, or general insurance advice contact:

Jeff Tobin CLU, ANZIIF (Snr Assoc) CIP.
Chartered Life Underwriter.
Telephone: 09-412 5997

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