House Insurance - Tower

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Premium coverHouse insurance

ContentsCompare your benefits 4How your policy works 6Words with special meaning 6The claims process 7What your house is insured for 8 hat your house policy doesWand does not cover 8What we cover 8What we do not cover 9We apply an additional excesswhen your house isleft unoccupied 10We do not cover houses withother insurance 10What your house can beused for 10 our policy includesYautomatic benefits 11Carpets extended replacement 11Demand surge protection 11Extended sum insured for fire 12Glass breakage reduced excess 12Gradual damage to your house 12House under minor alteration 13Keys and locks lost or stolen 14Landscaping 15Liability protection 15Natural disaster damage 15No claims bonus 16One event – one excess 16Stress benefit lumpsum payment 16Sustainability upgrade 17Temporary accommodation 17 What you’re not covered for 19These are your policy exclusions 19 You have certain responsibilities 24 How to make a claim 27You have certain responsibilitiesat claim time 27How we’ll look after your claim 29What excesses you may needto pay 29How we’ll settle your claim 30 Other important information 35You can cancel this policy 35Free look period 35Making changes to this policy 35Other parties with afinancial interest 36This policy is underNew Zealand law 36New Zealand has jurisdiction 36New Zealand currency andtaxes apply 36How we’ll communicatewith you 36Talk to us if you have a concern 37 Glossary 38

Welcome toTower.Thanks for putting your trustin us to help look after yourvaluable assets.This is your Premium coverpolicy wording, underwritten byTower Limited.We want to make insurancesimple and easy.1. Start hereThese are the basicsof your policy.2. T hese areyour benefitsWhat you’recovered for page 11.3. Responsibilitiesand exclusionsWhat you must do,and what isn’tcovered - page 19.That’s why we’ve removed all theconfusing language and madeit easier to see what is (and isn’t)covered under each section.4. M aking a claimWe’ve also included a handytable that shows you how ourdifferent policies compare.5. Other stuffIt’s just one thing we do to giveyou a little more confidence inyour insurance cover.As part of our commitment to you, this document hasbeen awarded the WriteMark. This means it meets aninternationally recognised plain language standard.Information aboutmaking your claimwith us - page 27.This is important too,like what to do if youhave a concern page 35.6. GlossarySome wordshave specialmeanings page 38.

Compare your benefitsChoosing what’s right for you can be difficult, butwe’ve made it easy with this comparison table.You’ve chosenPremium cover.If you’d like to changeyour level of cover,please call us on0800 808 808The table below is a summary only and sets out themaximum limits of cover. You can find full detailsof your cover beginning from page 8 of dlord’splus cover Replacementto sum insured Replacementto sum insured Replacementto sum insured Replacementto sum insuredSum insuredplus 20%Sum insuredplus 20%Sum insuredplus 20%Sum insuredplus 20%Liability protection 20m 20m 20m 20mBodily injury 100,000Basis of settlementExtended suminsured for fireOne event – oneexcessNatural disasterdamage 100,000 100,000 100,000 No claims bonus Gradual damage toyour house 3,000 2,000 1,000 2,000Landscaping 5,000 2,000 1,000 2,000Garden retainingwalls 50,000 25,000 15,000 25,000Sustainabilityupgrade 15,000 15,000 15,000 15,000 30,000 25,000 15,000Temporaryaccommodation4

PremiumcoverPluscoverKeys and locks lostor stolen 2,000 1,000House under minoralteration 50,000 20,000Demand surgeprotection 15% 10%Stress benefit lumpsum payment 2,000 1,000Glass breakagereduced excess 50 excess 100 excessCarpets extendedreplacement StandardcoverLandlord’splus cover 500 10,000 20,000 10% Landlord’s benefitsLoss of rent fordamage to yourhouse8 monthsLoss of rent for otherreasons 8 weeksMethamphetaminedecontamination 30,000Deliberate damage 20,000Landlord'swhiteware andwindow coverings 20,000Optional benefitsGarden retainingwallsSpecial features Sum insured Sum insured Sum insured Sum insured Sum insured Sum insured Sum insured Sum insured5

The basicsHow your policy worksYour Tower House insurance – Premium cover consists of twodocuments: this policy wording and your certificate of insurance.Make sure you read your policy wording and your certificate ofinsurance so you understand what you’re covered for and whatyour responsibilities are.This policy wording describes the benefits, exclusions,responsibilities and limits of your cover.Your certificate of insurance tells you what assets are covered,what level of cover applies and whether any special terms andconditions apply.We agree to cover you according to the terms outlined in thesetwo documents, as long as you’ve paid the premium due.Please check we’ve got things correct. If there is an error of anysort, if your needs are not met or if you’re in doubt then pleasecontact us on 0800 808 808 or at insurance@tower.co.nz.Words with special meaningIn this policy some words have a special meaning, for example,‘loss’. You can find out what all of those words are and what theymean in the Glossary on page 38.Please check we’vegot things correct. Ifthere is an error of anysort, if your needs are notmet or if you’re in doubt thenplease contact us on0800 808 808 or atinsurance@tower.co.nz6

The claims processWhat you doThe basicsHere’s hoping you never have to claim. But if life doesn’t go toplan, we’ll be ready. Here’s what to do and when. Make sure you’re safe1. Make sure your property is safe Call the police if required Take photos of the damage if you can Call us if you need immediate assistance Check your policy wording2. Collect up any documents required Start an inventory of losses Call us or go online to tower.co.nzWhat we’ll do Explain how the claims process works Lodge the claim with you3. We may ask for more information Tell you what’s going to happen next Arrange an assessor if required D ecide whether the claim fits the termsof your policy Clearly explain why if it doesn’t fit4. Process your claim as fast as we can Keep you informed of what’s happening Settle your claim as soon as we can7

The basics hat your houseWis insured forYour house iscovered for loss.Loss means sudden and accidentalphysical loss or sudden andaccidental physical damageoccurring during the period ofinsurance in New Zealand.This is an importantpart of your policywording. Please read andunderstand it. If any of thisdocument doesn’t makesense, please call us on0800 808 808 and we’llexplain it to you.We’ve included limits and exclusions toyour house cover throughout this policy wordingand on your certificate of insurance. hat your house policy doesWand does not coverWhat we coverWe cover your house, meaning the domestic buildings you ownat the situation shown on your certificate of insurance includingits:1. fixtures and fittings permanently attached, plumbed orwired within the domestic buildings2. fitted floor coverings (including glued, smooth edge ortacked carpet)3. gates, sealed paths, free standing walls and fences4. decks, verandas and patios that are permanentlyconstructed5. sealed driveways required for access to your dwelling oroutbuilding6. fixed water tanks, heating tanks, septic tanks (and theirsystems) that are permanently plumbed7. underground and overhead services extending to the publicmains that you’re legally responsible for8

8. other domestic outbuildings such as garages, carports,garden sheds and sleep outs10. garden retaining walls up to 50,000 in total.The basics9. retaining walls essential for the building or positioning ofyour domestic buildingsYour house also includes the features below if they arepermanently installed and they are specified on your certificateof insurance:1. garden retaining walls over 50,0002. special features.What we do not coverWe do not cover loss or liability for any of the following items:1. floor coverings not permanently fixed or glued in place2. drapes and blinds3. temporary structures4. unsealed driveways and paths5. stock fences, yards and pens6. swimming and spa pools (and their systems) that aredesigned to be disassembled or picked up and moved7. garden retaining walls over 50,000 unless they arespecified on your certificate of insurance8. any special features unless they are specified on yourcertificate of insurance9. cable car and its associated equipment10. private utility plant and associated equipment includingany diesel generator, watermill, wind powered generator orwindmill11. boat ramp, jetty, landing, pier, pontoon, wharf, and otherwater based structures9

12. bridge, culvert, dam, permanent fordThe basics13. well or bore hole including its pump, lining, or casing14. trees, shrubs, plants15. land, earth or fill.We apply an additional excess when your house isleft unoccupiedWe’ll apply an additional excess of 1,000 if you have a claimfor loss to your house while your house is unoccupied for morethan 60 consecutive days. We won’t apply this additional excessif you’ve told us your house is a holiday home and this is shownon your certificate of insurance.We do not cover houses with other insuranceThis policy does not cover any loss, damage or liability if you’recovered for that same loss, damage or liability to any extentunder a policy with another insurer. We’ll not contribute towardsa claim under any other policy with another insurer.What your house can be used forYour house is insured for the type of use recorded on yourcertificate of insurance. If the way you use your house changes,for example, you rent it out or you run a business from it, pleasecontact us immediately to let us know. We have landlord andbusiness policies specifically designed for these types of use.10

our policy includesYautomatic benefitsYour policy also covers you for the benefits listed below.Carpets extended replacementIf we pay to replace permanently fixed carpet and underlay in aspecified room, we’ll also pay to replace identical carpet in otherrooms if we can’t find a carpet to match.The benefitsThe most we’ll pay is the maximum amount detailed in each benefit.Unless the benefit expressly says otherwise, the maximum amount isincluded within the sum insured and is not in addition to it.LimitThis benefit does not apply if you’ve told us your house is a holidayhome or it is unoccupied for more than 60 consecutive days.Demand surge protectionWe may, at our sole discretion, increase your sum insured if all thefollowing conditions are met:1. your house has suffered loss covered by this policy2. that loss was caused by natural disaster, flood or storm thatoccurred at, or near your house causing widespread loss3. building costs have increased by a verified statistical percentagebecause there is a surge in demand for labour and materials as adirect result of that widespread loss4. this increase is the only reason the actual cost to repair or replaceyour house is higher than your sum insured noted on yourcertificate of insurance.LimitsThe most we’ll pay is the lesser of:1. the actual cost to repair or replace your house2. your sum insured noted on your certificate of insurance, plus theverified statistical percentage increase in building costs, up to amaximum of 15% of the sum insured.11

This benefit will not apply if we offered to pay the actualreplacement cost but you’ve chosen to receive a cash paymentinstead of repairing or replacing your house.Where this benefit applies, the automatic benefit Extended suminsured for fire on page 12 does not apply.The benefitsExtended sum insured for fireWe’ll pay up to a further 20% of your sum insured shown on yourcertificate of insurance for your house claim if all the followingapply:1. your house suffers loss caused by fire2. we decide it’s uneconomic to repair your house3. the estimated replacement cost to replace your house atthe situation is greater than the sum insured shown on yourcertificate of insurance.LimitsThe most we will pay is the lesser of:1. the estimated replacement cost to replace your house at thesituation; or2. your sum insured shown on your certificate of insurance,plus up to a further 20% of your sum insured.This benefit does not apply to fire following a natural disaster.Where this benefit applies, the automatic benefit Demand surgeprotection on page 11 does not apply.Glass breakage reduced excessWe’ll cover breakage to permanently installed glass in yourhouse.If your claim is only for glass breakage, your excess will be 50and your no claims bonus will be unaffected.Gradual damage to your houseWe’ll pay for the repair of gradual damage, deterioration,mildew, mould or rot to your house occurring during the periodof insurance caused by the leaking, overflowing or discharging12

of any of a:1. water supply pipe or hose2. water disposal pipe or hose3. water supply tank.LimitsThe benefitsThe pipe, hose or tank must:1. form part of the permanent and internal water reticulationsystem of the house, and2. be hidden from view because it is contained within thewalls, cupboards, floors, ceiling or roof of your house.We’ll pay the reasonable costs up to 3,000 for each event.This benefit only applies if:1. the leak, overflow or discharge first occurred during the timethat we insure your house, and2. you could not have discovered the damage immediately,and the damage was not visible, noticeable or obvious.We do not cover:1. the cost of locating and repairing the leak2. a leak in a shower base, shower recess or shower cubicle3. gradual damage that occurs if your house is unoccupied formore than 60 consecutive days.House under minor alterationWe’ll cover:1. your house while it is under minor alteration2. building materials you own that were specifically purchasedfor the minor alteration and stored at your house.Minor alteration is any non-structural renovation or building workto your existing house that does not require a building consentfrom your local authority.We pay this benefit in addition to your sum insured.LimitsWe’ll pay up to 50,000 for each event.We’ll only cover plumbing or electrical installations if they are13

The benefitscarried out and/or approved by a qualified tradesperson.We do not cover any loss for building, alteration or renovationwork that requires or involves any of the following:1. a building consent2. lifting or shifting of the house3. load bearing walls4. excavation greater than one metre deep5. piles or foundations6. structural alterations or repairs including the removal oralteration of the roof or cladding.Keys and locks lost or stolenWe’ll pay to replace your house keys or locks, or change housekey codes, if during the period of insurance:1. they’re lost2. they’re stolen3. you have reasonable grounds to believe they have beenillegally duplicated without your permission4. you have reasonable grounds to believe that thecombination number or electronic key codes may havebecome known to someone else without your permission.We’ll also pay to open any safe in your house following theft orloss of the keys or combination.We pay this benefit in addition to your sum insured.LimitsThis benefit does not apply if you’ve told us your house is aholiday home.We’ll pay your reasonable costs up to 2,000.Your first claim during the period of insurance will be excessfree and your no claims bonus will be unaffected.Any additional claims within the same period of insurance willmean you pay your excess and your no claims bonus may beaffected.14

LandscapingWe’ll pay for the replacement of your lawn, flowers, trees,hedges or shrubs if they are damaged when your house suffersloss caused by:1. fire, or2. impact from a vehiclewhere a claim is accepted by us.LimitWe’ll pay the reasonable cost of replacement up to 5,000 foreach event.The benefitsWe pay this benefit in addition to your sum insured.Liability protectionWe’ll cover you as the owner of your house for your legal liabilityto others arising from an accident at your house that causesphysical property damage during the period of insurance.We’ll pay the reasonable costs and expenses incurred with ourapproval in defending the alleged legal liability. We’ll do this ifyour liability, if proven, would be covered under this benefit.This benefit is paid in addition to your sum insured.LimitsYou also have cover under this benefit for your legal liability forbodily injury to a person up to 100,000 for each event.We’ll pay up to 20,000,000 in total during the period ofinsurance.If you have liability cover with us under any other policy, thenwe’ll only pay under one policy for each event.Natural disaster damageThe premium you pay for this policy includes a levy that is paidto the Earthquake Commission under EQCover. This levy coversyour house for natural disaster damage up to a limit set by them.When the Earthquake Commission pays under EQCover, we’llpay for the cost of repairing or replacing loss above this limit.15

If parts of your house suffer natural disaster damage and do notcome within EQCover, we’ll pay for their repair or replacement.This includes any garden retaining walls or special featureslisted on your certificate of insurance.LimitsThe benefitsIf your house suffers natural disaster damage you must claim forEQCover first.The most we’ll pay is the difference between your cover underEQCover and your sum insured less any applicable excess.We apply a 5,000 excess in place of the excess that wouldotherwise apply for claims for natural disaster damage to anydriveway, path, fence, swimming or spa pool.We do not cover:1. any amount the Earthquake Commission legally refuses to pay2. any excess or deduction under EQCover.No claims bonusIf you’re eligible for a no claims bonus we’ll adjust your premiumto reflect this.Your premium may still increase at renewal for other reasonseven though you receive a no claims bonus.One event – one excessIf your house suffers loss and we’ve accepted your claim, andwe accept a claim from the same event for loss to your contents,boat or your domestic vehicle that we also insure, you’ll only payone excess. The excess that you pay will be the higher of thoseexcesses.Stress benefit lump sum paymentWe’ll pay you a lump sum for the stress caused to you if yourentire house is destroyed.We pay this benefit in addition to your sum insured.16

LimitWe’ll pay a maximum of 2,000 for each event as soon as we’veaccepted your house claim.Sustainability upgradeThe benefitsWe’ll pay for you to add or upgrade to sustainable products inthe build of your replacement house if all the following apply:1. your house suffered a loss covered by this policy2. we decided it was uneconomic to repair your house3. the products you’ve chosen to add or upgrade to areapproved by us as sustainable.We pay this benefit in addition to your sum insured.LimitsWe’ll pay up to a maximum of 15,000.This benefit does not apply where the loss was caused by anatural disaster.Temporary accommodationWe’ll pay your temporary accommodation expenses if yourhouse becomes uninhabitable due to loss that is covered eitherunder this policy or under EQCover.We’ll also cover the costs of temporary accommodation whereyour house is habitable but you’re prevented from accessing itby order or direction of government or local authorities.The benefit includes kennel or cattery fees for your domesticpets.We pay this benefit in addition to your sum insured.LimitsThis benefit does not apply if:1. you’ve told us your house is a holiday home2. your house was unoccupied for more than 60 consecutivedays when the loss occurred.We’ll pay your reasonable costs up to a maximum of 30,000for each event.17

We’ll only pay temporary accommodation until the first of:1. repairs to your house have been completed2. we’ve paid your house claim3. you’ve regained access to your house.The benefitsIf we’re already providing temporary accommodation and thereare further events that you could claim for, we’ll only pay for oneevent.18If you have this benefit with us under any other policy then we’llonly pay under one policy.

hat you’re notWcovered forThese are your policy exclusionsYour policy does not cover liability for:1. Asbestoswhere such liability directly or indirectly arises out of, resultsfrom or is a consequence of, or in any way involves asbestos, orany materials containing asbestos in whatever form or quantity.3. Liability that you’ve agreedliability that arises only because you’ve agreed to take liabilityupon yourself.Responsibilitiesand exclusions2. Bodily injurybodily injury to you.4. Vehicles, watercraft and aircraft you ownthe ownership, use or possession of any mechanically propelledvehicle (other than domestic garden implements or mobilityscooters), trailer, caravan, watercraft, aircraft or other airbornedevices.5. Your or a trust’s propertydamage to any property you own, or a trust of which you’re abeneficiary or trustee owns.Your policy does not cover any loss, damage or liabilityarising from:1. 48 hour stand-downany loss that occurs within 48 hours of the start date of yourpolicy caused by storm, flood, wildfire or landslip.This exclusion does not apply:a. If this policy started immediately after another policy thatcovered these risks, orb. the policy was taken out at the same time you purchasedthe house.2. ACC personal injury19

personal injury where cover is provided to any extent underthe Accident Compensation Act 2001 or any amendment orreplacement Act.Responsibilitiesand exclusions3. Animalsany domestic pet pecking, biting, clawing, scratching,tearing or chewing your house, or damage caused bytheir urine or excrement. This exclusion does not apply todamage caused by another animal (except insects, verminor rodents) that becomes accidentally trapped inside yourhome.4. Business activitiesany activity for financial return (other than rental incomewhere your house is occasionally rented out) whether forprofit or not or less than 50% if used as a home office.5. Confiscation by an authorityconfiscation, nationalisation or requisition by an orderof government, local authority, the courts or any publicauthority unless it is to prevent loss covered by this policy.6. Controlled drugs pollution or contaminationthe pollution or contamination of your house by themanufacture, storage, use, consumption or distributionat your house of ‘precursor substances’ or a ‘controlleddrug’ as defined in the Misuse of Drugs Act 1975 or anyamendment or replacement Act.7. Criminal and reckless actsany criminal or reckless act or omission by you.8. Deliberate damage by anyonedeliberate damage caused directly or indirectly by you oranyone who normally lives at, or is lawfully at your house.This exclusion does not apply to deliberate damage by fireby tenants or their guests.9. Fines and damages imposed by the courtsaggravated, punitive or exemplary damages, fines and/orother penalties or reparation orders other than the coverprovided in the automatic benefit Liability protection onpage 15.20

10. Hydrostatic pressure to assets in the groundhydrostatic pressure to assets like swimming pools, spapools, water or waste tanks.11. Natural disaster damagenatural disaster damage other than the cover provided in theautomatic benefit Natural disaster damage on page 15.12. Nuclear and radiation risksnuclear weapons material or ionising radiation orcontamination by radioactivity from any nuclear waste orfrom the combustion of nuclear fuel, including any selfsustaining process of nuclear fission or fusion.14. Subsidence, erosion and landslipsubsidence, erosion or underground water pressure orlandslip other than the cover provided for natural landslipin the automatic benefit Natural disaster damage onpage 15.Responsibilitiesand exclusions13. Soil changessettling, cracking, soil expansion, soil shrinkage, soilmovement or compaction.15. Tenanted propertiesyour house if it becomes a dedicated tenanted property thatyou do not use personally. We have a landlord’s policy thatis specifically designed to protect rental properties.16. Thefttheft by you or anyone who normally lives at or is lawfullyat your house.17. Unrepaired damageany loss to your house that has not been repaired at the timethis policy starts.18. Vibration to buildings and landvibration, removal or weakening of support from eitherthe land or buildings.21

Your policy does not cover any claims for:Responsibilitiesand exclusions1. Cleaning and repairing your houseany process of cleaning, repairing, restoring or renovatingwhere inappropriate or unsuitable methods or materials areused. This exclusion only applies to the property that hasundergone that process.2. Faults and defectsa. the cost of remedying or repairing any structuraldefect, inherent fault, defective, substandard or faultyworkmanshipb. water or dampness entering your house because of anystructural defect, defective design, defective materialsor defective workmanship of the house.3. Gradual damagegradual deterioration including damage arising from orinvolving action of micro-organisms, atmospheric or climaticconditions, corrosion, fungi, rust, rot, mildew, mould, smokeor particles. This does not apply to the cover provided in theautomatic benefit Gradual damage to your house onpage 12.4. Insects and pestsdamage caused by insects, pests, rodents, lizards, vermin(other than possums), marine growth or marine borers.5. Mechanical or electrical breakdownmechanical or electrical equipment (and their parts)breaking down, failing or wearing out unless they’ve burntout as a direct result of an accidental and external force.6. Renovations and alterations to your houseany renovations, alterations or structural additions to yourhouse, other than the cover provided in the automaticbenefit House under minor alteration on page 13.7. Wear and tearwear and tear.However, resulting loss is covered. By resulting loss we meansecondary damage that occurs as a direct result of the excludedclauses 1 - 7 above.22

Your policy excludes cover for communicable diseasesYour policy does not cover any loss, damage, liability, claim, cost,or expense arising out of or in connection with a communicabledisease.This exclusion also applies:1. If there is some other contributing cause or event at thesame or some other time.2. To the fear or threat (whether actual or perceived) of acommunicable disease.Your policy excludes cover for cyber lossResponsibilitiesand exclusionsYour policy does not cover any loss, damage, liability, cost, orexpense arising out of or in connection with the following events:1. any cyber-attack or cyber incident2. any loss of use, reduction in functionality, repair,replacement, restoration, or reproduction of any data,including any amount connected to the value of any data.This is regardless of any other contributing cause or event thathappens at the same or some other time.If your computer system suffers loss or damage insured by thispolicy, then this exclusion will not apply to both:1. the cost to repair or replace the computer system itself2. the costs of copying the data from back-up or from originalsof a previous generation.We do not cover costs of research or engineering, or any costsof recreating, gathering, or assembling data. If your computersystem is not repaired, replaced, or restored we will pay the costof the blank computer system only.Loss or damage caused by fire or explosion resulting directlyfrom a cyber incident is excluded if connected to a cyber-attack,including controlling, preventing, suppressing or remediatingany cyber-attack.Your policy excludes cover for war and terrorismYour policy does not cover any loss, damage or liabilityarising directly or indirectly from, occasioned by, through, inconsequence directly or indirectly of, or claim for:23

1. war, invasion, acts of foreign enemies, hostilities or war-likeoperations (whether war be declared or not), civil war2. mutiny, civil commotion assuming the proportions of oramounting to a popular rising, military rising, insurrection,rebellion, revolution, military or usurped power, martial lawResponsibilitiesand exclusions3. confiscation or nationalisation or requisition or destructionof or damage to property by or under the order of anygovernment or public local authority, or4. any act of any person or persons acting on behalf of, or inconnection with, any organisation the objective of whichincludes the overthrowing or influencing of any de jure or defacto government by terrorism or by any violent means.Terrorism is the use of violence, or the threat of violence, in orderto achieve a political, social or religious goal. ou have certainYresponsibilitiesHere is a list of what you, and any person in charge of yourhouse with your permission, must do.1. You must be honest and fa

insurance in New Zealand. We've included limits and exclusions to your house cover throughout this policy wording and on your certificate of insurance. What your house policy does and does not cover What we cover We cover your house, meaning the domestic buildings you own at the situation shown on your certificate of insurance including its: 1.

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