Insurance cover for landlords

Protect your rental property with insurance that’s tailored specifically to landlords. Get a quote, buy, or manage landlord insurance 24/7 online.

Manage your insurance online Get in touch

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PremierCare insurance changes

The information on this page doesn’t apply to PremierCare insurance policies. PremierCare insurance is no longer available for new customers.

IAG will transition existing PremierCare policies to new policies as they come up for renewal. This is expected to start after mid-2025. The new insurance policies will provide enhanced online features and functionality to manage your insurance policies. Policyholders will receive communications about their new policies before they are moved from their existing ones. If you replace or make changes to your PremierCare insurance before then, you may move to a new policy. For any queries relating to PremierCare insurance, please call the IAG team on 0800 808 618.

Landlord insurance cover options

Landlord home insurance

Cover for the home, garage, and shed on your rental property. You’re also covered for unexpected circumstances like loss of rent in certain situations, removal costs for abandoned items, and replacement of keys and locks.

Landlord contents insurance

Get cover for your chattels and household goods that your tenants use, like furniture, furnishings, and electrical appliances.

Landlord insurance benefits

Accidental damage and natural hazards

Your rental home is covered for sudden and accidental damage, and natural hazards such as earthquakes and floods.

Loss of rent

If your rental home is unliveable due to covered loss or damage, you can claim for up to $30,000 of lost rent.

Abandoned possessions

You’re automatically covered up to $10,000 to remove abandoned items your tenants may leave behind, so you can rent out your property again.

Understanding your insurance cover

Home sums insured

Your home sum insured is the estimated amount it would cost to rebuild your rental home. It needs to cover materials and labour, as well as other expenses like demolition, consents, and other fees. If it’s too low, you might not be able to rebuild your rental home to the same size or quality, or you might have to pay for some of the building costs yourself. You should review it regularly to make sure your home sum insured stays up to date.

More about home sums insured

How premiums are calculated

Insurance premiums are regularly reviewed and calculated each year to account for any changes to costs of providing cover. This is to make sure that you pay a fair and sustainable price for your insurance. Insurance premiums are closely linked to individual factors such as the location and age of your rental home, and your sum insured.

More about how premiums are calculated

Earn BNZ Points to spend on rewards

If you pay your insurance premiums with a BNZ Advantage credit card, you’ll earn BNZ Points^ which can be redeemed for rewards such as travel, eGift cards, or cash back.

Partnering with IAG New Zealand

We partner with IAG, New Zealand’s largest general insurer, to provide rental home and contents insurance for landlords. As the insurer, IAG provides support, manages your policies, and looks after any claims.

Managing your insurance online

Manage your insurance through the secure IAG dashboard, by logging in to the BNZ app or Internet Banking.^

Once you’ve logged in, you’ll be able to:

request a call back from an insurance specialist
get a quote or buy insurance
update your sums insured, excess amount, and optional benefits
make a premium payment or change your payment plan
view and download your insurance documents
make a home, contents, car, or landlord insurance claim.

Get in touch

Quotes or call backs

Request a call back from IAG by logging in to the BNZ app or Internet Banking and selecting ‘Apply now’ from the menu.

Or call us on 0800 275 269 and ask for a quote on insurance.

General insurance enquiries

Call the IAG team - Mon-Fri, 8am-8pm,
Sat-Sun, 8.30am-5pm.

From within New Zealand call 0800 808 618.

From overseas call +64 9 985 0103 direct (international toll charges apply).

Making a claim

Claim online 24/7, through the IAG claims portal.

Or call the IAG claims team on 0800 248 888, Mon-Fri, 8am-6pm.

More about making a claim

The availability of any insurance cover is subject to approval of a completed application. Terms, conditions, and exclusions do apply.

IAG New Zealand Limited (IAG) provides and underwrites certain general insurance policies to customers who are referred to IAG by Bank of New Zealand (BNZ). If you purchase one of these insurance policies following a referral by BNZ, IAG will pay BNZ commissions and other fees. BNZ personnel are not personally paid a commission or incentivised for referring customers to IAG. BNZ does not underwrite these insurance policies, is not an agent of IAG, and does not guarantee the obligations of IAG or any of its related entities. Full details of cover and a copy of your policy document are available on our website or on request from IAG at 0800 808 618.

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