Initio Insurance was founded in 2011 and is the first to launch a 100% online house insurance policy. They aim to make the insurance process fast and easy from start to finish. Instead of letting you build your own policy, they include the things that matter so you don’t need to worry about them. Making claims is made convenient just like getting a quote. Their mission is to eliminate the nonsense, slow process of paying claims.
Initio House Insurance options are: Landlord, Home and Contents, Holiday Home, Multi Unit, Own Home Rented, and Trade Property. They fit the needs of Kiwis looking for insurance that focuses on their property no matter the purpose. What makes Initio House Insurance unique is Multi Unit and Trade Property because they’re focused on properties used for business.
Apply for an Initio Home Insurance today and start protecting your investments! Compare Initio Home Insurance options from one another and see which suits you the best.
They’ve been mentioned in various reputable sites like NZ Herald, Insurance Business, and Money Hub. They include more benefits in their policies and extend beyond what their competitors offer. Compared to the nearest competitor, their landlord insurance covers your loss of rent due to Methamphetamine contamination and damages caused by pets. Initio Home Insurance covers up to $2,500 for landscaping and your home office even when you're not using the house for business activities. Other competitors don’t include landscaping or your home office in their policies.
Yes, especially if you’re using your house for business purposes. Their policies are comprehensive enough and cover rental properties, contents, and your home. While other providers “tailor” your policy based on your preferences and the sum value of your home, they allow you to pick the best policy built for your needs. If you have multiple properties you need to insure and for various purposes, Initio House Insurance can be the best deal in the market for you!
For no extra premium, you’ll get the essential covers as a rental property owner. This includes:
This policy is best for homeowners and families. It’s the comprehensive policy to cover your house on common accidents. Key features include:
Initio Insurance is the only company offering to cover your block of units online. Some house insurance policies cover only one property and for personal use only. This policy is best for landlords who have residential units under the same roof. Key features include:
This covers a house you own, live in, and rent out. It’s a familiar touch to property owners offering their home in sites like AirBnB. The difference from the landlord insurance is this considers you as living with your tenants and the house is entirely or partly rented out. Features include:
This is another option suited for short stay properties you’d usually find in sites like Bookbach and AirBnB. When your property is rented out as a holiday home, a different policy is necessary as it's being left unoccupied for longer periods.
Initio Insurance is aware that houses are bought so they can be sold. This insurance policy aims to protect a house which will eventually be sold to a new homeowner. What makes this convenient is you don’t have to pay for the full annual premium upfront. You can opt for a month-to-month basis until the house has been sold.
You’ll be covered up to $25,000 for one event including theft and damages caused by tenants. If there are malicious damages, your house will be covered up to the sum insured.
You need to declare all contents you want to be covered, especially high value items like jewelry and collector artworks. Some items like laptops are automatically covered. However, you need to specify others that were not included in the Home and Contents policy.
When your policy includes damages caused by tenants, you don’t have to hold your tenant accountable especially when the damages are due to accidents. You can also only hold tenants accountable on specific circumstances, according to the Residential Tenancies Amendment Act 2019.
4.4
I was a little hesitant to stay on the call when I first picked up but I’m glad I stayed until I did. Josua Legavai was the lovely lady taking care of me. She was so friendly, clear and helpful. She helped me understand everything I needed to and explained everything with great detail. I am still young and learning and have just moved into a new home with my son so I’m grateful she was able to help me today.
Highly recommend Jordan at Glimp, very professional and really good at her job! thank you for the help definitely saved me alot of time ready for our move thank you Jordan A+++++
I'm so happy I asked Glimp for help, to find a service provider that suits our family's budget, without losing quality and unlimited data on both our mobile phones and broadband. Mele Falahola is a Comparison Specialist from Glimp and she was amazing from the beginning. Mele located the right service provider for our needs that will save us money!, fulfil our usage and more! compared to what we were using. My wife and I even asked for a comparison on our electricity bill. Mele responded immediately once she saw our monthly bills and compared it to another provider that not only do not required a contract to stick too (like the mobile and broadband provider Mele recommended) but their price per kWh was so much better! Which is why we changed that also. Thank you Mele and Glimp for your help. We can now look forward to our Christmas holiday in the Cook Islands from what we can now save. :-)