Protect your home. Inside and out.

Protect your home. Inside and out

Get a quote with OUTsurance today.

Whether its buildings or contents insurance you need, we're waiting to give you a solution, along with the awesome service you deserve.

Do I need Insurance?

Whether you own a home or are renting, the answer is always the same. Yes, you do need insurance. Of course, there is a difference in what cover you may require, depending on your situation, so lets take a closer look.

Do I need buildings insurance?

Do I need buildings insurance?
  • I own my home and live there
  • I am a landlord
  • I am a tenant

If you have a bond on your home, your bank will insist that you have this type of cover. Put simply, it insures the actual physical structure of your home and will cover the repair or rebuild costs if your property suffers damage. This could include environmental events; such as fire, lightning, a flood, a hailstorm, an earthquake or even a falling tree. Also included are other accidental events, like a burst geyser or pipe, power surges, loss or damage during construction and malicious damage to your home.

If you are a landlord, this insurance is your responsibility, not your tenant's. If you live in a complex or flat, building insurance may be covered in your levies. Be sure to enquire.

Do I need contents insurance?

Do I need contents insurance?
  • I own my home and live there
  • I am a landlord
  • I am a tenant

There is a lot inside a home - from furniture to the teaspoons in the kitchen draw. Of course, all of this needs to be protected. Contents insurance will cover your possessions and replace them if they get stolen or damaged. Like building insurance, the damage could be a result of an environmental event, like a fire, or an accident, such as a burst geyser. Contents insurance can also cover the items you take with you when you're out and about, such as electronic devices and jewellery.

If you are a tenant, your possessions are your responsibility, not your landlords, and you'll need to cover them accordingly.

Why OUTsurance?

We've gone out of our way to make sure you receive the best cover, whether you're a home owner, landlord or tenant. Enjoy all these great benefits:

  • 10% of your premiums back in cash after three claim-free years
  • A low, flat excess.
  • Free emergency assistance, 24/7.
  • Guaranteed premiums for 12 months, even if you claim.
  • Awesome service every step of the way.
  • Free bonus benefits on contents insurance, covering cash, personal documents, domestic worker contents and much more.
  • Fair treatment come claims time...
  • Hand-picked service providers to carry out repairs or replacements.

Get a quote with OUTsurance today.

Whether its buildings or content insurance you need, we're waiting to give you a solution, along with the awesome service you deserve.