HOUSE AND CONTENTS INSURANCE
The Advisers are your trusted home and contents insurance brokers based in New Plymouth.
Protecting your home and contents is easy with The Advisers.
Your home is likely to be your most valuable asset, so you want to be sure it’s well protected against the unexpected. Whether it’s your family home, a holiday house, lifestyle property or a rental, we can arrange a home insurance solution for you. Home insurance gives you cover for the big events like fires and floods, earthquakes, landslides, as well as the smaller accidents like broken windows, damaged fences and burst pipes.
Whether you’re a tenant, homeowner or landlord and want comprehensive cover or just the basics, we can arrange a home and contents policy to suit you. Collections, jewellery, sports equipment and art work, if it’s important to you we can cover it.
Contents insurance is designed to protect your belongings against disasters – big and small.
These include loss, theft, water damage, fires and earthquakes.
What does Contents Insurance cover?
Contents insurance helps cover the cost of repairing or replacing your personal belongings if something goes wrong. This can include:
- Furniture and furnishings
- Whiteware and appliances
- Electronics – TVs, laptops and phones
- Clothing and personal items
- Jewellery, art, collectibles and valuables
- Sporting or hobby equipment
Whether it’s stolen, damaged in a fire, ruined by flooding, or lost due to a natural disaster, we’ll help you get back on your feet.
What does Home Insurance cover?
Property insurance helps protect your asset from a wide range of risks. These policies can include:
- Natural disasters – earthquakes, floods, storms and landslides
- Fire and smoke damage
- Accidental damage – broken windows, burst pipes and structural accidents
- Vandalism or theft
- Rebuilding or repair costs
We’ll help you understand exactly what your policy covers and make sure it suits your property and lifestyle. Whether you need full replacement cover or indemnity cover, we’ll walk you through it step by step.
Why use The Advisers for Home and Contents Insurance?
Local understanding
Based in New Plymouth, we understand the unique risks to your home and belongings in Taranaki homes.
Personalised support
We take the time to understand your situation and explain your options clearly.
Trusted help
If you ever need to make a claim, we’re here to guide you through it.
FAQ's
Home insurance covers the building itself — walls, roof, built-in fixtures, fences and the like. Contents insurance covers the things you’d take with you if you moved: furniture, appliances, electronics, clothing and valuables. Most homeowners need both; tenants usually just need contents.
Your sum insured should reflect what it would cost to rebuild your home today — not its market value. That includes demolition, professional fees and current building costs. We can walk you through a rebuild calculator or arrange a valuation so you’re not caught short.
Replacement cover pays to repair or rebuild to a similar standard as new. Indemnity cover pays the current value, allowing for age and wear and tear, so the payout is usually lower. We’ll explain which suits your home and budget, step by step.
Most home policies include natural disaster cover, alongside the Natural Hazards Commission (formerly EQC) cover that applies to insured residential homes. How the two work together can be confusing, so we’ll make sure you know exactly where you stand before anything happens.
Yes. Many policies have limits on high-value items, so it’s worth listing anything special separately. Collections, jewellery, sports equipment, art work — if it’s important to you, we can cover it.
Your landlord’s policy covers the building, not your belongings. Contents insurance protects your own stuff against theft, fire, water damage and more. Many policies also include some liability cover if you accidentally damage the property.
Yes. Each of these has different risks and policy needs, and we can arrange cover for all of them. See our Rental Property and Lifestyle Insurance pages for more.
Make sure everyone is safe, prevent further damage if you can, and report theft to the police. Then call us on (06) 769 5186 or email claims@theadvisers.co.nz. Take photos and keep receipts — we’ll guide you through the rest.