Domestic Insurance for everyone
Home or Dwelling Insurance
Protecting your home, your haven, is paramount. We understand that your home is not just a place; it's your most valuable asset, and safeguarding it against the unforeseen is essential. Whether you reside in your family home, own a holiday retreat, or manage rental properties, we have tailored home insurance solutions to meet your needs.
Our comprehensive home insurance coverage offers peace of mind, shielding you from the gamut of potential risks. From major catastrophes like fires, floods, earthquakes, and landslides to everyday mishaps like broken windows, damaged fences, and burst pipes, we've got you covered, including cover for somewhere to stay while its all being repaired.
In the realm of New Zealand home insurance, understanding your policy's coverage is crucial. Most policies extend coverage up to a specified amount, known as the 'sum insured.' This sum represents the maximum payout (after deducting any applicable excess) to rebuild your home in the event of complete destruction or irreparable damage (total loss).
As a homeowner, it falls upon you to determine and periodically review this sum insured. It's imperative to keep pace with any enhancements made to your home throughout the year or changes in rebuilding costs. This proactive approach ensures that your sum insured remains adequate, providing you with peace of mind knowing you're adequately protected in the unfortunate event of a total loss. At TFIB we're here to guide you through every step of this process, ensuring that your home insurance aligns perfectly with your evolving needs and circumstances.
Contents Insurance
Safeguarding your home and its contents is made simple. Contents insurance serves as your shield against accidental damage and unforeseen disasters—both significant and minor. From loss and theft to water damage, fires, and earthquakes, we've got you covered.
But what exactly does contents insurance encompass?
It safeguards your personal belongings—furniture, clothing, bedding, electronics, whiteware, and more—against life's unexpected twists. While some items, like jewelry and artwork, may have limited coverage unless specified separately on your policy, we can advise you on the best protection strategies for your valuables.
At TFIB, we offer various types of contents insurance:
Personal Contents: Covering your belongings for accidental loss or damage.
Holiday Home Contents: Coverage for accidental loss or damage, or limited to specific events, depending on your needs.
Landlord Contents: Safeguarding contents left in the house for your tenants' use, such as fridges, stoves, and washing machines.
Determining your contents sum insured amount is crucial. This total represents the payout in the event of a total loss to your belongings. Ensuring your contents sum insured covers all your belongings—including valuable items like jewelry, watches, bikes, artwork, and hearing aids—is paramount. Underestimating their worth could leave you financially vulnerable in the event of a claim.
Rest assured, we're here to assist you every step of the way. From arranging the most appropriate cover for your contents to supporting you through the claims process,
Motor Vehicle Insurance
Securing the right car insurance is paramount for New Zealanders. Whether you're driving the family car, cruising in a motorhome or caravan, or cherishing a classic car, you deserve a vehicle insurance policy that instills confidence and ensures comprehensive protection.
In the unfortunate event of a road accident, rest assured that our insurers collaborate with trusted repairers to expedite your vehicle's restoration, getting you back on the road swiftly.We are here to discuss the myriad options available and arrange the perfect vehicle cover tailored to your specific needs and budgetary considerations.
Should the need arise to lodge a claim, count on us to be your advocates, ensuring that your claim is handled fairly and expediently.
We can help you secure cover for a diverse range of vehicles, including cars, vans, caravans, classic cars, trailers, horse floats, and even vehicles used for business purposes. With access to a wide array of options from various insurers which you can customise to suit your individual requirements, we've got you covered.
So, what does our car insurance cover entail?
Comprehensive: This option covers repairs for damage to your vehicle in case of an accident, liability for damage to others, and protection against fire or theft. Additional options like agreed value and market value are also available.
Third Party Only: Covering your liability for damage caused to others and their property while driving your car, this option does not include repairs to your own vehicle or replacement if it's stolen.
Third Party Fire and Theft: Similar to Third Party Only, this option adds protection for your vehicle in the event of third-party fire or theft.
Caravan: Enjoy full cover for your caravan, with the option to include contents such as personal effects, clothing, and utensils for a limited amount.
Trailer: Comprehensive cover for your trailer.
Classic Car: Benefit from full comprehensive cover, Third Party Only, or Third Party Theft cover for your classic car, with options like agreed value and a low mileage cover discount.
Depending on your policy choice, you can also opt for additional benefits like 24/7 roadside assistance, windscreen replacement, or rental car coverage while your vehicle is stolen or undergoing repairs.
Landlord Insurance
Investing in rental properties offers lucrative opportunities but also poses unique challenges and unexpected hurdles. With landlord insurance, you can safeguard your investment against a myriad of renting-related risks, including damage caused by tenants and potential loss of rental income.
You can also customise your policy with additional covers to enhance protection for your investment, this inurance will not only cover the building itself but come with a range of additional benefits to take care of those other pesky risks as well.
So, what exactly does our landlord insurance entail?
Coverage for Loss of Rent: If your rental property sustains accidental damage, rendering it uninhabitable for tenants, your policy can cover repair costs and compensate for lost rental income during repairs.
Home Insurance Cover: Protect your rental property against accidental damage from various events, including fire, burglary, natural disasters, and more. We can also arrange cover for intentional damage, vandalism, or theft by tenants.
Contents Cover for Landlords: Ensure your landlord's furnishings, such as appliances and furniture provided for tenants' use, are covered in case of damage.
Rent Protection: Safeguard against potential income loss due to tenants vacating without notice or eviction for non-payment of rent.
Methamphetamine Decontamination: Extend your policy to cover decontamination costs resulting from methamphetamine contamination, ensuring your property meets safety standards for occupancy.
Landlord Liability Insurance: Protect yourself against liability for damage to third-party property arising from your ownership of the rental property.
Rest assured, we are here to guide you through the available landlord insurance policy options and tailor a solution to fit your specific needs and budget. And in the event of a claim, we'll stand by you, advocating on your behalf to ensure fair and prompt resolution. At TFIB, your peace of mind as a landlord is our top priority.