MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
          • Interest Rate Predictions 2025
            • Money Sweetspot Review
            • 20 Property Investment Risks You Can't Ignore
            • Shares vs Property Investment
            • Milford vs ANZ KiwiSaver Growth Funds Comparison
            • Best Performing KiwiSaver Funds
            • Kernel Shares & ETF Investing Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • KiwiSaver
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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Holiday Home and Airbnb Insurance

Our guide explains everything you need to know to get the best policy at the lowest price while protecting yourself from common risks.
House Insurance NZ
Updated 11 June 2025
Summary
  • Holiday Home and Airbnb insurance renewals are going up and up. This is because of increased risk, an increase in the EQC (earthquake) levy, increased building costs, higher risks of natural disasters and increased crime which causes property damage. Our guide to average home insurance costs confirms significant increases and this RNZ story in August 2023 explained "it's as bad as it ever has been to be an insurance buyer" given these costs.
  • Owning a holiday home or Airbnb property can be an expensive investment, and having comprehensive insurance is crucial to protect against unexpected events. This guide explains the essential aspects of insuring your holiday rental property.
  • The best holiday home and Airbnb insurance policies offer full house replacement coverage, ensuring your property can be rebuilt or repaired up to its replacement value. Leading policies include additional benefits like covering for gradual water damage, replacing keys and locks, and unblocking underground pipes, which limits out-of-pocket expenses for unexpected events. 
  • If you rent your home on Airbnb or to other guests via platforms such as Booking.com or Facebook groups, leading holiday home policies cover accidental and malicious damage by guests, meth manufacturing, and loss of rental income if your property becomes uninhabitable. There are a lot of risks when you trust someone with your home - don't get caught short when the 'unexpected' becomes your problem.
  • There can be requirements that you occasionally use the property throughout the year, so it's not always a 'set and forget' policy. 
  • Before buying any policy, you must choose a sum insured that covers full demolition and rebuild costs. Our rebuild calculator has more information. 

This guide has been published to explain all the necessary information to effectively insure your holiday home or Airbnb property, providing peace of mind and protection for your investment. We cover:
  • Compare Airbnb and Holiday Home Insurance Quotes New Zealand-Wide
  • ​House Insurance Must-Know Facts
  • ​Suburbs and Areas of New Zealand Where it's Difficult to Insure Holiday Home & Airbnb Properties
  • Frequently Asked Questions
  • ​Ready to Buy Holiday Home & Airbnb Insurance? Know How to Get the Best Deal
  • Why Does Holiday Home & Airbnb Insurance Cost What it Does?

​We review policies from several well-known insurers, and compare them side by side. Our Holiday Home and Airbnb Property quotes show the most attractive policies for example properties in major areas popular with holiday homes and/or Airbnb rentals. This includes  - Auckland, Hamilton, Tauranga, Wellington, Upper Hutt, Lower Hutt, Wellington, Lower Hutt, Nelson, Christchurch and Dunedin.

Significant savings can be found by following simple tips, including having an accurate sum-insured amount and an appropriate excess. ​

​Useful resource: We've compared house insurance policies side-by-side to make it easier to see where you're covered, and where you're not. Download our policy comparison table in XLS (Google Sheets).

Know this: Why house insurance increasing

  • Many homeowners in certain parts of New Zealand have seen significant changes in their house insurance policies. While both Earthquake Commission (EQC) and Fire Service levies have increased, this is not causing the reported cases of some policy renewal costs doubling
  • The reason is primarily the risk and occurrence of earthquakes, floods, cyclones, coastal damage and crime. Tower Insurance and AIG (which owns AMI, NZI and State) introduced 'full risk-based pricing'  back in mid-2018. This means that insurers now don't 'share' the risk with less-risky policyholders. Instead, if you own a house in an area with a higher risk of earthquakes, you will pay more for insurance.
  • 2023 has been claim-heavy with floods and cyclone damage throughout highly populated parts of the North Island. If you are in a troubled area (including Christchurch, flooded Auckland suburbs, Kaikoura or Wellington), this may mean insurance is more difficult to obtain and expensive, as outlined by our sample quotes guide and media reports.

Related resources: Our trusted go-to guides for Insuring an Old House and Difficult Areas for House Insurance explain what you need to know should either of these issues apply to you.

​​Advertising Disclaimer: MoneyHub may earn a referral bonus for anyone that’s approved through some of the below links. Our research and findings are independent of any bank, credit card issuer, or product manufacturer/service provider, and have not been endorsed by any of these entities. Please see our Advertising Policy for more details about how we make money.
Are you looking for contents insurance, or insurance for an investment property?
  • This guide is not for you - visit our contents insurance guide or landlord insurance guide.
  • If you are looking to estimate the rebuild cost of your home or an investment property, our house insurance calculator explains everything you need to know.

How Much Should I Insure My House For?
In the video below, MoneyHub Founder Christopher Walsh explains how house insurance calculators work and why you must ensure you have enough coverage every time you renew or switch insurers:

Compare Holiday Home and Airbnb Insurance Quotes With Our Top Insurers

  • Top Picks: Based on our research, Tower and Initio consistently shine with standout cover and competitive pricing. Can they beat your current policy?
  • Quick Quotes: Discover potential savings in just minutes. Stay informed with market rates from industry leaders like Tower and Initio - ensure you don't overpay.
  • Special Mention: Are you a homeowner in a challenging insurance area? Only Initio specialises in delivering instant online quotes with clarity, even for houses in higher-risk zones.
Tower House Insurance
Initio House Insurance
Tower House Insurance
Picture

Compare House Insurance NZ

Compare Airbnb and Holiday Home Insurance Quotes New Zealand-Wide

  • ​Well known insurers such as AA Insurance, AMI, AMP, Initio, State, Trade Me and Tower all sell house insurance. 
  • Each policy referenced below is "home only", no contents are included. The quotes are for a single-story, brick and tile roof property with a sum insured value of $700,000
  • We obtained quotes for nine properties in locations all over New Zealand.
  • We've compared house insurance policies side-by-side to make it easier to see where you're covered, and where you're not. Download our policy comparison table in XLS (Google Sheets).

Property specifics:
  • Owner-occupied
  • Policy holder age = 41 years
  • Free standing home, concrete slab foundations, built 1980
  • Flat/gentle slope of land
  • 1 Story
  • Standard construction
  • No previous claims in the last three years
  • Double brick exterior with terracotta tiles
  • Floor area of 180 metres squared
  • Standard security with a monitored burglar alarm
  • Four bedroom, one bathroom, one deck, one kitchen and a two car garage
Disclaimer: Specific House Insurance policies and their terms and conditions differ between insurers. We make no representation that the quotes below imply that the policies are the same in form and substance. Please review policies in detail before making any decision.

Auckland Home Insurance Price Comparison - June 2024

Location
Initio
Excess: $400
Tower
Excess: $500
AA Insurance
Excess: $500
AMP
Excess: $500
AMI
Excess: $500
State
Excess: $550
TradeMe
Excess: $500
Takapuna
$2,088.75
$2,307.39
$2,124.81
$1,944.64
$2,524.51​
-
$2,634.44
Mt Wellington
 $2,088.75 
$2,105.52
$1,908.38
$1,985.57
$2,423.41​
$2,222.8
$2,392.55
Mangere
$2,088.75
$2,192.36
$1,924.17
-
$2,579.67​
$2,347.06
$2,183.96

Waikato Home Insurance Price Comparison - June 2024

Location
Initio
Excess: $400
Tower
Excess: $500
AA Insurance
Excess: $500
AMP
Excess: $500
AMI
Excess: $500
State
Excess: $500
TradeMe
Excess: $500
Hamilton
$2,088.75
$2,095.15
 $2,074.07
-
$2,481.02
$2,352.26
$2,379.02
Tauranga
$2,224.48
$2,515.37
 $2,273.84
-
$2,953.22​
$2,916.98
$2,884.59

Wellington Home Insurance Price Comparison - June 2024

Location
Initio
Excess: $400
Tower
Excess: $500
AA Insurance
Excess: $500
AMP
Excess: $500
AMI
Excess: $500
State
Excess: $500
TradeMe
Excess: $500
Wellington
$5,044.33​
$3,674.61
-
-
-
-
$4,230.98
Upper Hutt
$5,003.25​
$4,389.94
-
-
-
-
$5,044.57

South Island Home Insurance Price Comparison - June 2024

Location
Initio
Excess: $400
Tower
Excess: $500
AA Insurance
Excess: $500
AMP
Excess: $500
AMI
Excess: $500
State
Excess: $500
TradeMe
Excess: $500
Christchurch
$2,802.24​
$3,336.13
-
-
-
-
$3,803.68
Nelson
$2,292.34
$3,075.85
$​3,085.59
$2,034.76​
$3,055.65
$2,800.33
$3,550.96
Dunedin
$2,088.75
$2,402.04
$2,388.23​
$1,951.21
$2,277.99
$2,129.37
$2,748.19
Invercargill
$2,088.75
​$2,703.02
$2,865.88​
-
$2,431.28​
$2,072.50
$3,105.80
Summary
  1. If you're serious about switching insurers, or want to negotiate a better deal with your existing one, compare compare compare. It's the only way to have any bargaining power when it comes to bringing down the cost of house insurance. 
  2. If you live in Christchurch or the Wellington region, insurers will generally take longer to come back with a quote, but persist and compare, and if required, talk to an insurance broker specialises in house insurance
  3. We expect house insurance prices to change throughout 2024 and beyond as insurers charge natural disaster-prone areas more, (as announced in this Stuff.co.nz article) relative to low-risk areas. This means low-risk areas will pay relatively less, as is already being seen in the sample quotes above. 
  4. Useful resource: We've compared house insurance policies side-by-side to make it easier to see where you're covered, and where you're not. Download our policy comparison table in XLS (Google Sheets).

Compare Policy Details

  • We've compared house insurance policies side-by-side to make it easier to see where you're covered, and where you're not. Download our policy comparison table in XLS (Google Sheets).
  • Disclaimer: This policy comparison is not intended to be financial or insurance advice. It is a summary of the various policy terms of coverage only. For full details of policy coverage, terms, benefits and exclusions please refer to the specifc policy wording document.

Compare Holiday Home and Airbnb Insurance Quotes With Our Top Insurers

  • Top Picks: Based on our research, Tower and Initio consistently shine with standout cover and competitive pricing. Can they beat your current policy?
  • Quick Quotes: Discover potential savings in just minutes. Stay informed with market rates from industry leaders like Tower and Initio - ensure you don't overpay.
  • Special Mention: Are you a homeowner in a challenging insurance area? Only Initio specialises in delivering instant online quotes with clarity, even for houses in higher-risk zones.
Tower House Insurance
Initio House Insurance
Tower House Insurance
Picture

Home Insurance Compare NZ

House Insurance Must-Know Facts

Compare House Insurance NZ

A Holiday Home and Airbnb insurance policy covers more than a standard home insurance policy, and the benefits are generally more generous too

Holiday Home and Airbnb insurance policies are specifically designed to address the unique risks of short-term rental properties. Unlike standard home insurance, these policies typically include:
  • Guest-related damage coverage: Protection against accidental and malicious damage caused by guests, including party damage and deliberate destruction
  • Meth contamination coverage: Specialist cleaning and remediation if your property is contaminated by methamphetamine manufacturing or use
  • Loss of rental income: Compensation for lost booking income if your property becomes uninhabitable due to a covered event
  • Higher liability limits: Enhanced public liability coverage for guest injuries on your property
  • Theft by guests: Coverage for items stolen by guests, which standard policies typically exclude
  • Lock replacement: Automatic coverage for changing locks between guest stays if keys are lost or stolen
  • Marketing material coverage: Protection for professional photography, furniture staging, and promotional materials
  • Flexible occupancy requirements: Some policies allow for vacant periods without voiding coverage, unlike standard home insurance
Compare House Insurance NZ

Know what Holiday Home and Airbnb insurance doesn't cover

Even comprehensive Holiday Home and Airbnb policies have important exclusions:
  • Normal wear and tear: Gradual deterioration from regular guest use isn't covered
  • Maintenance issues: Problems arising from poor property maintenance or deferred repairs
  • Bookings made outside approved platforms: Some insurers only cover bookings through recognized platforms like Airbnb, Booking.com
  • Unlicensed or illegal rentals: Properties operating without proper permits or in breach of local regulations
  • Guest belongings: The policy doesn't cover guests' personal property - they need their own travel insurance
  • Business equipment: Commercial-grade appliances, computers, or specialized rental equipment may need separate coverage
  • Swimming pools and spas: May require additional coverage or safety compliance
  • Outbuildings used commercially: Separate structures used for rental purposes often need specific coverage
  • Consequential losses: Extended business interruption beyond the standard loss of rental income period
  • Cyber liability: Online booking system breaches, data theft, or cyber attacks typically require separate coverage
Compare House Insurance NZ

Know the seven ways to save on Holiday Home and Airbnb insurance

  1. Compare and switch for the best deal - always shop around and compare, especially when it comes to renewal time.
  2. Avoid cover you do not need - don't take out optional extras if you don't need them - doing so will add a chunk of cost to the policy. 
  3. Pay annually for your policy - as mentioned above, this can save up to 20%.
  4. Do not over insure - make sure your sum insured is reasonable but not overly generous. Be aware that some policies will pay 10% more than the sum insured if a total rebuild is needed after a covered natural disaster. 
  5. Increase the excess - Being willing to accept a higher excess will result in a lower premium, so adjust the excess level to see how the policy price changes.
  6. Secure your home - help prevent burglaries by installing a burglar alarm and consider installing deadlocks on doors and windows.
  7. Build up your no claims bonus - many policies offer a no-claims bonus, which you will be entitled to if you don't claim during the year.

Our video below explains how to use the sum insured calculator:
Compare House Insurance NZ

Always check the policy's cover, terms and conditions carefully before signing up

​It's important you understand the policy, what it covers and what it doesn't. If you are unsure, contact the insurer and ask them to explain it. Additionally, we suggest the following:
  • Double-check the quotes - make sure the quote you see on screen is the final quote.
  • Make a note of the renewal date and remind yourself to look again at insurance 11 months after it starts to see if better deals are out there.
  • You can adjust the excess and sum insured level to get the price that suits your budget. It's not a good idea to lower the sum insured amount below what the estimate replacement cost is, but you can raise the excess to see how much of a difference it makes.
Compare House Insurance NZ

Many factors affect what your policy costs

There are a number of factors which insurers take into account when pricing Holiday Home and Airbnb insurance:
  • Your address and location: Wellington and Christchurch are particularly troublesome for Holiday Home and Airbnb insurance. All insurers assess certain cities or areas to be riskier.
  • Sum insured: How much you insure your home for is a major factor - our house insurance calculator has more details to help you determine a suitable amount to insure for.
  • Building type: Is it a freestanding home, apartment, unit or lifestyle block?
  • Wall and roof material: What the walls and roof is made of affects insurance premiums.
  • Year of construction: The age of your property factors into the insurance quote.
  • Home security: Do you have a burglar alarm, deadlocks, and 24/7 monitoring by a security provider? If so, your insurance costs can be lower.
  • Construction standard: The 'quality' of your home also influences the policy cost.
  • Slope of land: Is the property built on a flat piece of land, or is sloping?
  • The number of levels, bedrooms, bathrooms and garage/car spaces: all of these influence the policy cost.
  • Number of dwellings: Is the property a granny flat or self-contained unit on your property? If so, Holiday Home and Airbnb insurance may not be appropriate given the property isn't a stand-alone rental or holiday home.
  • Outbuildings and features: If you have exterior buildings like garages and sheds, this can also influence the insurance cost.

Compare Holiday Home and Airbnb Insurance Quotes With Our Top Insurers

  • Top Picks: Based on our research, Tower and Initio consistently shine with standout cover and competitive pricing. Can they beat your current policy?
  • Quick Quotes: Discover potential savings in just minutes. Stay informed with market rates from industry leaders like Tower and Initio - ensure you don't overpay.
  • Special Mention: Are you a homeowner in a challenging insurance area? Only Initio specialises in delivering instant online quotes with clarity, even for houses in higher-risk zones.
Tower House Insurance
Initio House Insurance
Tower House Insurance
Picture

​Suburbs and Areas of New Zealand Where it's Difficult to Insure Homes

​Suburbs and Areas of New Zealand Where it's Difficult to Insure Holiday Home & Airbnb Properties

Our trusted go-to guides for Difficult Areas for House Insurance explains what you need to know should this issue apply to you. We have also published a guide to determining whether or not your property is an insurance risk. A summary is below:

Across New Zealand, there are now specific areas and regions where insuring homes isn't always straightforward, particularly when trying to secure coverage instantly online. Our research highlighted several regions and cities where getting home insurance is difficult. We list these and explain the reasons that contribute to the difficulty below:
  1. Wellington: As the capital city located near major fault lines, Wellington faces significant seismic risks. The city's hilly terrain and coastal exposure also contribute to its susceptibility to landslides and tsunamis, which increase the already significant risk to home insurers.  It can cost up to four times more to insure an identical house in Wellington as it does in Auckland. 
  2. Porirua: Similar to Wellington, Porirua is located near active fault lines, making earthquake risk a primary concern. Its coastal areas are also prone to sea-level rise and storm surges.
  3. Lower Hutt & Upper Hutt: Being part of the wider Wellington region, these areas are also vulnerable to earthquakes. Moreover, river flooding due to the Hutt River poses an additional threat, especially during heavy rainfall.
  4. Marlborough Sounds: This region has intricate waterways, peninsulas, and islands. Its topography and relative isolation make accessibility a challenge, increasing the risk of delayed assistance during emergencies and unknown rebuilding costs. Add in coastal nature and flood risks, and it can be a problem to insure in general. 
  5. Whangarei: Whangarei and some areas of Northland face risks associated with coastal hazards, including rising sea levels and storm surges. However the biggest risk concern are the slope severity hazards (landside and instability) that makes insuring houses on the outskirts of Whangarei sometimes difficult to insure.  In addition its tropical climate also makes it susceptible to cyclones and intense rainfall.
  6. Westport: Houses in Westport township face heightened flood risks due to its precarious position between the Orowaiti Lagoon to the Buller River. Investment by Council in the local flood protection infrastructure is necessary before insurers will adjust their risk appetite here. The remoteness of the West Coast also poses access issues which insurers take into account. 
  7. Hawkes Bay: Pockets of the Hawkes Bay including Eskdale, Wairoa and Fernhill recently suffered major flood damage.  Many areas have been re-classified by Council.  Houses throughout the Hawkes Bay have come under increased scrutiny by insurers when accepting new policies.  The area also has a history of earthquakes and this is also a major factor in the assessment of risk.
  8. Christchurch's Eastern Suburbs: Southshore and New Brighton: The 2010 and 2011 Canterbury earthquakes left an indelible mark on Christchurch, with the eastern suburbs being some of the hardest-hit areas. The repercussions of these events have led to significant insurance challenges in regions like Southshore and New Brighton.

Be Aware: Houses built before 1935 in Wellington, Christchurch, North Canterbury, and Marlborough: As a background, before 1935, New Zealand had no set of building standards, which means older homes, especially those constructed before 1935, may not have been built to the same structural standards as newer buildings. This makes them more vulnerable to damage from earthquakes and other natural disasters, and many insurers won't cover them, as first reported in this 2012 Stuff.co.nz article.

Know This: While the above regions are some of the most well-known areas with insurance complexities, hundreds of other pockets around the country present unique risk layers. 

Compare House Insurance NZ Frequently Asked Questions

Frequently Asked Questions

What is average house insurance cost in New Zealand?

There is no average price; every home is different - our research into average home prices is based on a specific rebuild price, and outlined in our research study. Throughout New Zealand, insurers vary their quotes based on the size of the home, location, age of home, materials used to build the home, section angle and many other factors. The best way to find the best house insurance deal is to compare by getting quotes directly with insurers.

What is the best Holiday Home and Airbnb insurance?

Our review of insurance quotes outlines the most common policies available in New Zealand, and sample costs.

What is covered by a Holiday Home and Airbnb insurance policy?

Holiday Home and Airbnb covers the cost of rebuilding or repairing your home if it is damaged or destroyed, as well as guest-specific benefits. 

Commonly throughout New Zealand, most Holiday Home & AirBnB claims result from damage caused by:
  • An earthquake
  • A fire
  • A flood
  • Vandalism
  • Theft causing property damage (i.e. broken windows)
  • Frozen and burst pipes
  • Fallen trees
  • Land subsidence (i.e. sea-facing properties)

How much insurance cover do I need for my house?

You need enough cover to pay for a complete rebuild. If disaster strikes and you don't have enough cover, you will have to pay for the difference between the cover and total rebuild cost yourself. Our House insurance calculator outlines exactly what you need to know to get an appropriate level of cover.

Is Holiday Home and Airbnb insurance a requirement?

No, unless you have a mortgage over your home (see below). Holiday Home and Airbnb insurance is however recommended given the number of natural disasters that put New Zealand under threat, as well as the risk of fire or flooding. Because a home is likely to be most New Zealand's biggest asset, protecting it should be a priority.

Is Holiday Home and Airbnb insurance included in a mortgage?

No - but many banks and mortgage brokers will try and sell Holiday Home and Airbnb insurance as part of the lending process. Our view is to shop around, as banks and mortgage brokers make plenty of commission from selling policies, which may not be the best available in the market.
No - house insurance is the responsibility of your landlord to protect the buildings. You can consider contents insurance, but this not required either.

Do you pay house insurance monthly or yearly?

Most insurers offer monthly, quarterly and annual payment options. Be aware that in some cases, paying monthly can mean you pay 10-15% more, which we believe is far too high. 

​How will the excess affect the cost of my policy?

​Each policy will be quoted with a compulsory excess, which many insurers let you adjust upwards or downwards before buying the policy. The excess is always outlined when you buy a policy, and generally, a higher excess will lower the cost of your insurance premium, and a lower excess will increase the cost of insurance. In our research, we found $500 was the most common standard excess. 

When you select your excess, consider what you could afford tomorrow if disaster struck. If your limit was $500 or $750, a similar excess would be more appropriate than selecting a $1,500 or $2,500 excess, even if you pay more annually for a policy.

The video below shows how adjusting the excess can considerably change the price of the policy:

Can you change your house insurance anytime?

Yes - if you move house you can cancel and be refunded any prepaid time on your policy. You can also increase or decrease your sum insured cover at any time; the insurer will re-calculate your policy cost based on the new amount.

The video below outlines the cancellation policies of popular insurers and their home and landlord policies:

Do I need different insurance if I rent my property on multiple platforms?

​Most Holiday Home and Airbnb policies cover rentals across multiple platforms (Airbnb, Booking.com, etc.), but some insurers require you to declare all platforms used. Always check your policy wording and notify your insurer of any new booking platforms.

What happens if a guest causes damage but disputes liability?

Your insurer will typically handle the claim and pursue recovery from the guest or their insurance. You shouldn't have to chase guests directly for damage costs - this is one of the key benefits of specialized Holiday Home insurance.

Can I switch from standard home insurance to Holiday Home insurance mid-term?

Yes, you can usually switch insurance types when you start renting your property. Contact your insurer immediately when you begin short-term rentals, as standard home insurance typically excludes commercial use.

Do I need Holiday Home insurance if I only rent my property occasionally?

Even occasional short-term rentals can void standard home insurance. If you rent your property even once per year to paying guests, you should consider Holiday Home insurance to ensure you're properly covered.

What documentation do I need for Holiday Home insurance claims?

Keep detailed records, including guest booking confirmations, pre and post-stay property photos, guest communication records, receipts for damaged items, and repair quotes. This documentation is crucial for successful claims.

How does Holiday Home insurance handle natural disasters during guest stays?

Your policy should cover alternative accommodation for displaced guests (typically for a limited period) and your own loss of rental income. However, you won't be liable for guests' additional travel costs; they should have their own travel insurance.

What if my local council or zoned area doesn't allow short-term rentals?

Operating without proper permits can void your insurance coverage entirely. Always ensure you comply with local regulations and resource consent requirements before starting short-term rentals.

Are there minimum security requirements for Holiday Home insurance?

Most insurers require basic security measures like working smoke alarms and secure locks. Some offer discounts for enhanced security like monitored alarms, security cameras, or keyless entry systems.

Compare Holiday Home and Airbnb Insurance Quotes With Our Top Insurers

  • Top Picks: Based on our research, Tower and Initio consistently shine with standout cover and competitive pricing. Can they beat your current policy?
  • Quick Quotes: Discover potential savings in just minutes. Stay informed with market rates from industry leaders like Tower and Initio - ensure you don't overpay.
  • Special Mention: Are you a homeowner in a challenging insurance area? Only Initio specialises in delivering instant online quotes with clarity, even for houses in higher-risk zones.
Tower House Insurance
Initio House Insurance
Tower House Insurance
Picture

Compare House Insurance NZ

​Ready to Buy Holiday Home and Airbnb Insurance? Know How to Get the Best Deal

Once you’ve become familiar with the basics and have decided to purchase Holiday Home and Airbnb Insurance insurance, it’s time to get the best quote for what you need. 

Get the best policy without becoming overwhelmed by the details:

Tip 1 – Read our Best Buy House Insurance policies below to get an idea of price and coverage
We have put together a number of house insurance quotes from AA Insurance, AMI, AMP, ANZ, Initio, State, Trade Me and Tower for a number of properties all over New Zealand. The purpose is to help everyday New Zealanders to understand the cover level and make it easier to pick the right policy while reducing the chance of overpaying for cover.  

Tip 2 - Check your policy cover and excess
Make sure the policy quote offers the right level of cover, and consider what excess levels or extra coverage you are happy with. Generally, a higher excess coupled with lower coverage (in dollar terms)  equals a cheaper quote, but it's essential to make sure the cover level is sufficient when buying house insurance (or any insurance for that matter).  

Tip 3 – Lower the excess only if you are comfortable paying more for a policy cost
If you have the right level of cover, you can pay less for a policy by choosing to have a higher excess. However, it's important to make sure you can afford the excess if and when you need to make a claim.

MoneyHub Founder Christopher Walsh Explains How Our Friends at Initio Offer Instant Quotes for Holiday Home and Airbnb Insurance Based on Your Address:

Christopher Walsh MoneyHub
Christopher Walsh
MoneyHub Founder
  • Empowered by Data: We trust Initio Insurance for transparent Holiday Home and Airbnb insurance insights backed by robust data that that other insurers can't match.
  • Instant Assessment: Don't wait or wonder - the risks are too great and the costs too high. With Initio, you can gauge your insurance prospects in seconds. Type in your address, and see instant feedback.
  • Transparent Process: Get an initial policy cost instantly. While some cases might need a bit more review, you're ensured accuracy and reliability.
  • Unparalleled Insight: Dive deep into Initio's unmatched property data. If you're a homeowner renting it as an Airbnb​ or using it as a holiday home, Initio enlightens your options like no other.
  • Trusted & Reliable: Beyond being award-winning, Initio is backed by IAG (owners of AMI, State, and others) and offers exceptional NZ-based customer service.​
Get an Instant Quote
initio Home Insurance
initio Home Insurance

Why Does Holiday Home & AirBnB Insurance Cost What it Does NZ

Why Does Holiday Home and Airbnb Insurance Cost What it Does?

To help explain where your money goes when you pay for a policy, we've outlined a brief guide to demystifying your house insurance premium:
  • ​Insurance policies rely on wording that is often fraught with jargon, giving them a reputation for being both convoluted and confusing.
  • Something as important as insuring your house should come with some certainty – so how do you demystify this? Many MoneyHub readers ask how their premium costs are calculated, and where the costs go. 
  • The premium cost is variable: a North Shore Airbnb property in Auckland, for example, will likely have a cheaper premium than an equivalent property in Christchurch due to earthquake risk. Based on the big data leading house insurance company Initio shared with us on their claims, many factors determine premiums – some of these things include relative exposure to weather events, flood zones, vulnerability to theft and the historical record of claims in the area. 

Insurers use the following factors, among others, to calculate your premium:  

1. Location
  • ​An insurance premium is heavily dependent on the likelihood of earthquakes and storms, based on historical data.
  • Almost every insurer has moved to risk-based pricing, meaning that low-risk places like Hamilton and Dunedin will no longer subsidise higher-risk regions such as Wellington.
 
2. Water supply and emergency services
  • The closer a house is to a fire station, and the better the access a property has to water, the less likely it is to burn to the ground. A property 30 minutes out of town relying on rainwater tanks will attract a higher premium.    

3. Age of the property 
  • This can affect premium pricing. For example, houses built before 1935 are more likely to have claims than those built afterwards because they are more likely to have corroding electrical wiring, old pipes that can’t cope with increased town water pressure, and original roofing more susceptible to storm damage.   

4. Use of the property 
  • Data indicates that houses occupied by their owners have fewer losses than those occupied by tenants or short-term guests. A rental property attracts landlord risk (such as malicious damage and loss of rents) so a landlord insurance policy will always cost at least 20% more than the relatively insurance rating for an owner-occupied home.
  • Holiday homes sit for longer periods of inoccupancy, which increases other risks such as unnoticed water damage, break-ins and burglary.    

5. Replacement value
  • The greater the insured value of a property, the higher the premium. The increase in premium isn’t linear – so a $1,500,000 rebuild value doesn’t attract double the insurance premium of a $750,000 rebuild.
  • After a certain point, the cost of insurance increases at a decreasing rate, reflecting the fact that over 95% of insurers’ claims are for smaller loss (e.g. up to $10,000) not total losses requiring a complete rebuild.    

6. Excess and extras 
  • An excess is the amount the property owner is willing to absorb at claim time. The more the owner is willing to pay, the lower the risk to the insurer – and the lower the premium cost.
  • Extras that increase the premium are the additional covers the property owner adds, e.g. increasing loss of rents from $20,000 to $80,000 for a rental property, or adding nil excess glass cover.    

7. Government Levies
  • A government earthquake levy is added to the insurance cost of every residential property, to cover for natural disasters losses to dwellings and land up to $345,000, which increased from $172,500 in late 2022 per this EQC announcement.
  • This is currently set at $552 per residential unit, the earthquake levy covers $345,000 of the loss. Anything over $345,000 is paid for by the insurance company. In this way, your insurer collects your EQC levy as part of your total insurance cost and passes them onto the Earthquake Commission. 
  • The second type of levy included in your premium is another fixed component cost: the Fire and Emergency Service Levy. This levy contributes toward the cost of running emergency services (fire brigade, ambulance service, etc.) of which residents of New Zealand collectively share the benefit.
  • Like the earthquake levy, the fire levy is charged on each residential unit at a fixed rate as outlined on the EQC website. In the same way, your insurer collects the fire levy as part of your insurance premium and passes those funds onto the NZ Government. The levies are outlined on the Fire and Emergency Service's website,
  • Unlike the EQC, if you choose not to have residential property insurance, you will still benefit from the fire and emergency services, even though you have not directly contributed to these services.  

8. GST
  • Like all domestic goods and services in New Zealand, a 15% GST tax is then applied to the total insurance cost (insurer premium, EQC levy, and Fire levy). This total becomes the cost of your insurance policy premium that is payable by you, the insurance customer.  
  • So for a house insurance premium of $1,200 including GST (which is common), around $670 of this amount pays the levies. Around $510 is left over, which, net of GST, is around $443. This is retained by the insurer to pay claims, reinsurance and staff and distribution costs. 

Compare Holiday Home and Airbnb Insurance Quotes With Our Top Insurers

  • Top Picks: Based on our research, Tower and Initio consistently shine with standout cover and competitive pricing. Can they beat your current policy?
  • Quick Quotes: Discover potential savings in just minutes. Stay informed with market rates from industry leaders like Tower and Initio - ensure you don't overpay.
  • Special Mention: Are you a homeowner in a challenging insurance area? Only Initio specialises in delivering instant online quotes with clarity, even for houses in higher-risk zones.
Tower House Insurance
Initio House Insurance
Tower House Insurance
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