Top insurance trends to watch in 2026

Severe weather events continue to highlight where homes may be exposed, with heavy rainfall, slips and localised flooding disrupting many communities. It’s a good time to maintain drainage and gutters, check retaining walls, and talk to your broker about how flood, slip or coastal risks apply to your property. 

Cost inflation has cooled from post‑COVID peaks, but rebuild costs remain high so underinsurance risk remains a consideration - especially after renovations or landscaping additions. Update your rebuild estimate annually and include driveways, fences, retaining walls and outbuildings as needed. 

From 1 July 2026, Fire and Emergency New Zealand is changing how levies are calculated. Expect a $25 flat levy on all motor vehicles (replacing the previous structure) and changes to how levies are applied to residential property. When renewing after July 2026, check how your levy has changed and ensure the details of your property (e.g., use, structure type) are correct. 

Specialist trades and access constraints can extend timelines after severe weather. It’s helpful to understand your temporary accommodation provisions, keep emergency supplies on hand, and know the steps to lodge a claim. 

With smarter home devices and online accounts, scam and breach exposure is increasing. Industry trends suggest a significant number of New Zealand organisations have reported cyber incidents - a pattern that can affect households too. Enabling two-factor authentication, updating devices regularly and considering cyber protection (if offered by your insurer) can help reduce exposure. 

2026 is a good time to strengthen protection - from updating rebuild values and checking levy changes to improving climate and cyber resilience. A Rothbury broker can help you understand policy definitions, sums insured and provide advice on what practical steps you can take so your cover keeps pace with your risks.