Home Insurance

Your home is one of your biggest assets so it’s important to get the right amount of cover to protect you financially and provide peace of mind. Your home may be a holiday home, lifestyle block or rental property.

Replacement - by Square metres (SQM)

If your house is destroyed by a sudden and accidental event like a Fire, Flood, Burglary, or Accidental Damage, most insurers will pay to rebuild your house up to the square metres listed on your schedule within a specified range. However, it is important the sum insured is correct as the replacement may be limited to the amount you have specified. A review of the Sum Insured should be undertaken each year in case you have made any improvements or added any other Buildings or structures.

Natural Disaster Sum Insured

If your house is damaged or destroyed by a Natural Disaster it will be replaced up to the sum insured, which will include any payment from EQC. It’s really important to make sure that your sum insured is sufficient to cover all the costs of rebuilding your home, as this is the maximum you will be paid.

Your Broker at Rothbury can help you by providing access to an online rebuilding calculator.

Setting your sum insured

You can also work out your Sum Insured using a free online rebuilding calculator or contact your Broker at Rothbury who can help you with this.

Rothbury have also teamed up with Construction Cost Consultants (CCC), who can offer you a preferential rate for guaranteed rebuild valuation by a registered Quantity Surveyor.