House & Contents Insurance

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If it’s important to you tomorrow, insure it today.

You’ve worked hard for your home, and everything in it. That’s why our house and contents insurance gives you the flexibility to choose the cover that meets your needs. Maxi House and Maxi Contents offer the most comprehensive cover, while our Flexi House and Flexi Contents provide a more affordable alternative.

And our extensive insurance broker network will provide you with expert advice on the benefits of Flexi and Maxi, and which one is right for you.

Your home and contents covered

Our comprehensive house cover, Maxi House provides cover for the cost of repairing or replacing your home, up to an amount that you choose (the sum insured), while Maxi Contents will cover the repairs or replacement for most of your insured items.

Maxi House covers:

  • Your house for loss or damage caused by natural disasters, burglary, vandalism, fire, flood, storm damage, and accidental loss or damage.
  • The cost of alternative accommodation if you’re unable to live in your home because it’s damaged or the government or local authorities prevent you from accessing it.
  • Damage outside the home—like driveways, retaining walls, permanent swimming pools, and other items within your residential boundary.

Maxi House details

Maxi Contents covers:

  • Your contents for loss or damage caused by natural disasters, burglary, vandalism, fire, flood, storm damage, and accidental loss or damage.
  • Your contents, even if they’re temporarily removed from the home for use anywhere in New Zealand.
  • Temporary accommodation for you and your pets if your home is uninhabitable.
  • Storage of your contents if your home is uninhabitable.
  • Replacement of most of your items, including larger furniture and computers, tablets or smartphones that are less than three years old.

Maxi Contents Details

Extra value with Vero

10% Extra cover for no extra cost

With our Maxi House cover, you may qualify for SumExtra. This gives you up to 10% more cover than your sum insured value in a natural disaster (e.g. earthquake, tsunami), and full repair or replacement for other insured events (e.g. flood, fire).

SumExtra details


Up to 10% off by combining house and contents

When insuring your most valuable assets, it's worth getting expert advice from an insurance broker or adviser. They will work with you closely to understand your needs, identify risks that are specific to you and advise you on the right cover.

A Flexi solution to meet your needs

Our Flexi cover provides a more affordable option that covers you for the indemnity value of your home, limited to the sum insured.

Flexi House covers:

  • Loss or damage to your home caused by specified events, including natural disasters, burglary, vandalism, fire, flood and storm damage, but not general accidental damage.
  • Damage outside the home caused by these specified events—like driveways, retaining walls, swimming pools, and other items within your residential boundary.
  • Alternative accommodation if you’re unable to live in your home because it’s damaged or you’ve been prevented from accessing it by government or local authorities.

Flexi House details

Flexi Contents

Your belongings are covered while they’re in your home for specified events including natural disaster, fire, theft, burglary, and flooding.

You can upgrade your Flexi Contents policy to add extra cover for:

  • Accidental loss or damage
  • Contents anywhere in New Zealand (up to $10,000)
  • Replacement of most of your items, just like in our Maxi policy although items that are over 10 years old will still be covered for indemnity value.

Flexi Contents details

Get insured with Vero

For expert advice on how Vero can help you with your insurance needs, talk to a broker or adviser. Our locator helps you find a broker or adviser near you.

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We’re for New Zealand

We’re here for New Zealanders whether it’s for general or specialist cover, we’re here to make insurance mean more for our customers. That means we do what really matters to make insurance more useful and more relevant to help you feel more confident.

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Important information

Excesses, terms, conditions, limits and exclusions apply to these policies. Please check the policy wording for details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.

Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life and business that really matter. The information doesn’t take into account your personal circumstances, needs or goals and is not intended to be financial advice. We recommend that before you purchase insurance, you get professional advice from a broker or adviser who’s registered under the Financial Advisers Act 2008.