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Home insurance: Landlord's extension

Protect your rental property with this optional Landlord’s extension to ANZ Home insurance provided by Vero, our trusted insurance partner.

Get a quote and buy insurance

Vero is our specialist insurance partner. You’ll move to their secure website to get your quote.

Existing ANZ customer

Start by logging into ANZ Internet Banking or the ANZ goMoney app so you can:

  • Get a quote
  • Save and recover your details
  • Buy online.

Retrieve a saved quote

Get a quote via Internet Banking

Start with a quote

If you're not yet an ANZ customer, or don't use Internet Banking or goMoney, you can:

  • Get a quote online
  • Contact us to buy.
Get a quote – Vero

Reasons to choose home insurance Landlord's extension through ANZ

Bundle and save

You could save up to 15% with a multi-policy discount when you take out two or more qualifying Vero insurance policies (minimum premium levels, terms and conditions apply).

Multi-policy discount terms and conditions

Easy claims process

To help make your claim as quick and stress-free as possible, our trusted insurance partner Vero has a dedicated ANZ claims team.

How to make a claim

Keep everything together

Have your banking and insurance in one place. Use Internet Banking or goMoney to apply online for home insurance Landlord's extension.

 

Quote to bundle home, car and contents insurance

Get a quote via Internet Banking

Help make your life easier

Manage your home, car and contents insurance all in one place.

What's covered

Having the right cover in place means you’re helping to protect your valuable investment. Here’s a summary of the cover and features of the Landlord’s extension for rental properties. 

For full details of the terms, conditions and exclusions, please see the full policy document – it’s simple and easy to understand.

ANZ Asset Protector policy document (PDF 786.7KB)

What's included in home insurance

  • Provides cover for your home for loss or damage from sudden and accidental events, up to your sum insured.
  • You’re covered up to your sum insured, except when you qualify for the SumExtra benefit.
    Get the right sum insured for you 
  • The SumExtra benefit can provide extra cover for no extra cost. If your claim qualifies, you could be paid more than your sum insured amount.
    Qualify for the SumExtra benefit
  • Covers damaged driveways, fencing, permanent swimming pools or spas, retaining walls (up to $80,000) and landscaping (up to $2,500).
  • If you need to claim under more than one ANZ policy from Vero for loss or damage caused by a single event at the same location, you’ll only pay one excess. 

Optional Landlord's extension

Provides cover for:

  • Accidental loss or damage and malicious damage to your appliances and furnishings such as stoves, fridges and curtains up to $20,000.
  • Malicious damage to the home or theft of any fixtures and fittings caused by tenants under certain conditions up to $30,000.
  • Loss of rent up to $40,000 per house, if the rental property is uninhabitable due to loss or damage covered by the policy.
  • Loss of rent for up to eight weeks if tenants legally withhold payment due to prevention of access to the property or when public utilities have failed, or if the tenant vacates without giving required notice.
  • Loss of rent for up to 12 weeks due to eviction for non-payment of rent.
  • Increased liability cover for loss or damage to your tenant’s belongings by up to $3,000,000.

Get the right sum insured for you

Your sum insured is the overall amount your home is covered for. It’s your responsibility to ensure it’s enough to fully rebuild or repair your home, so you’re not left with a shortfall in the event of a claim.

Your sum insured needs to take into account the cost of all structures, special features, labour, professional fees (e.g. architects, council consents), demolition costs, and removal of any debris.

To help work out your sum insured, get an estimated rebuild cost by using either:

  • A registered valuer, quantity surveyor, or other specialist 
  • The Cordell Sum Sure online calculator—.

Qualify for the SumExtra benefit

If your home is damaged or destroyed and your sum insured amount isn’t enough to pay for repairs or a rebuild, and you qualify, then the SumExtra benefit provides either:

  • Up to an extra 10% of your sum insured for damage caused by natural hazard
  • The cost to repair or rebuild your home for damage caused by any covered event, other than a natural hazard.

It's easy to qualify. Just work out the estimated cost of rebuilding your home using accepted calculation methods – like the Cordell Sum Sure online calculator or the advice of a registered valuer – to set your sum insured. 

To stay qualified, be sure to check and adjust your sum insured every three years or when you’ve made improvements to your home.  

Make sure you keep a copy of the written cost estimate in a safe place. You’ll need it to obtain the SumExtra benefit.

Read more about the SumExtra benefit in the full policy document – it’s simple and easy to understand.

ANZ Asset Protector policy document (PDF 786.7KB)

Check Vero can cover you

To apply for Landlord's extension you need to:

  • Own the house you're insuring
  • Rent this house out, or occupy and rent it out
  • Be over 16 years old.

If this is for a commercial property, check out our Business insurance.

If you are part of a body corporate or want the ownership to be under a trust or business, visit any ANZ branch or call 0800 269 296 to see how we can help.

Make a claim with Vero

Making a claim can come at a stressful time, so Vero has made the process as easy as possible.

Claim online

Use Vero’s online Claims Portal to lodge your claim.

Make a claim – Vero

Call Vero

From overseas: +64 9 363 4192 (toll charges apply).

0800 269 252

Already have Landlord's extension through ANZ?

For insurance provided by Vero

Call Vero on 0800 831 123 with any questions about your existing policy.

Have questions about Landlord's extension through ANZ?

Let us help you out:

What else do you need to protect?

Your contents

Protect the things you own from accidental damage or loss.

Contents insurance

Your car

Accidents happen. Get back on the road as quickly as possible.

Car insurance

Important information

This information is a summary of key features of the insurance. Excesses, terms, conditions, limits and exclusions apply to all policies. For full terms, conditions and exclusions, please see the policy document ANZ Asset Protector printable version (PDF 1MB), visit any ANZ branch or call 0800 269 296. The provision of cover is subject to the underwriting criteria that apply at the time.

ANZ Asset Protector policies are underwritten and issued by Vero Insurance New Zealand Limited (Vero) and distributed through ANZ Bank New Zealand Limited (ANZ). No member of ANZ or its related companies or any other person guarantees Vero or its subsidiaries or any products they issue. ANZ may receive commission on any policy it arranges.

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.