NZI, and other insurance companies, calculate the value of your home based on the sum insured which is specified with the cost of rebuilding your home. Knowing your sum insured lets you pay the right premium for your house. If the sum insured is too low, you can end up with an inadequate cover in the event of a sudden loss to your home. When it's too high, you might pay too much premium. Get an overview of the sum insured of your home through the NZI house insurance calculator.
You need to make immediate actions on events that can potentially lead to further loss or damage to your home and assets such as a water leak. NZI will reimburse you instead for any reasonable costs. Taking photos of the damages helps the assessing team to make a decision. Keeping receipts as proof of purchase is also vital. Keeping the damaged items, if possible, also helps the assessing team in making a report on the damage.
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