House and Contents
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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