Get the right protection for your home

Make sure you’re covered for accidental and sudden loss or damage to your home with PremierCare Home Insurance.

Accidental loss or damage

Sudden and accidental loss or damageup to the total sum insured of your home.

new building works

New building works (other than alterations) being constructed on your property, where the construction cost is less than $10,000.

hidden water damage

Hidden, gradual damage caused by water leaking from internal tanks or pipes, up to $3,000.

Glass and bathroom fittings

If you claim solely for sudden and accidental breakage of window glass or bathroom fittings, your claim-free discount won't be affected, but an excess of $250 applies.

Home office

Sudden and accidental loss or damage caused to your home office.

Earthquake cover

In the event of an earthquake, PremierCare will cover you for the difference between your Earthquake Commission (EQC) payout and the sum insured under your policy.

How to work out the estimated cost of rebuilding your home

  • Visit, where there is an easy-to-use calculator^
  • commission an independent Valuation for Insurance Purposes from a registered valuer
  • hire a professional assessor or licensed builder
  • talk to one of us on 0800 275 269

Cover for landlords

If you're a landlord, optional insurance protection can also be purchased^ specifically for your needs. This includes cover for sudden and accidental loss to the landlord's contents up to $7,500 on the property and any intentional damage tenants cause to the rental property up to $25,000, and loss of rental income should tenants leave without notice or in the case of tenants being evicted, may also be covered.

Even more reasons to insure your home with us

Choose your excess

A standard excess of $400 applies for homes. You can reduce your premium by choosing a higher excess. Note that a higher excess applies to rental properties.

Collect Fly Buys points

You can collect Fly Buys^ Points based on the premium you pay. Premiums can be paid fortnightly, monthly or annually.

Manage your insurance online

You can quickly and easily view your insurance details online in Internet Banking. See your policy details anytime, or find out how to make a claim.

Get in touch about PremierCare Home Insurance

Take out two or more new PremierCare Insurance policies by 22 October, and we’ll send you a $75 Prezzy card. Terms and conditions apply


Insurance help and support

If you need some help, call 0800 808 618
Or call us collect from a land line from here or overseas +64 9 985 0103

To make a claim, call 0800 248 888

Small Print

  1. The need2know website is provided by IAG. BNZ accepts no liability for any loss or damage of any kind arising out of the use of, or reliance on, the need2know website.

  2. Limits apply, refer to your policy wording for more details.

  3. Fly Buys terms and conditions apply.  Fly Buys points collection, conversion and redemption rates are subject to change without notice. Fly Buys are not available on credited premiums. BNZ (and its related companies) do not guarantee the redemption of Fly Buys or that Fly Buys will continue to be offered on their products/services. 

PremierCare Insurance is underwritten by IAG New Zealand Limited and is not an obligation of the distributor, BNZ. BNZ does not guarantee the obligations of IAG New Zealand Ltd. BNZ arranges PremierCare as an agent for IAG New Zealand Ltd and receives a commission on any policies arranged through it. Full details of cover, and a copy of your policy document, is available on request from the PremierCare Team on 0800 808 618. The availability of any insurance cover is subject to approval of a completed application. Terms, conditions, and exclusions do apply.

Our Qualifying Financial Entity Disclosure Statement may be obtained free of charge from any BNZ store or

View our PremierCare policy document.