House (Owner occupied, Rental Dwellings and Holiday Homes)

covers you against structural damage caused by fire, impact, landslips, flooding or earthquake.

Who should consider it?

Anyone who owns a property or is a shareholder in a property needs to protect their investment, and for many people their home is also their security. How would you cope financially if your house was damaged, or destroyed?

What can it cover?

After the Canterbury earthquakes, almost all insurers changed to sum-insured policies. These policies make the owner responsible for calculating the costs to rebuild and insuring it for this amount. As your home is one of your most valuable possessions, insuring it for the right amount is not something you want to get wrong, and which companies provide you with extras, such as Landscaping and Windows option.

You also want to know that when you need to make a claim, such as damage caused by flooding, that you have people that will help you get that claim processed as soon as possible. Futurisk can match you up with the provider that will give you the benefits you need when you need them and get you competitively priced premiums.

Who should consider it?

If you own an investment property, you should consider taking out landlord insurance to protect your investment and the income it provides. As well as long term leases, landlord insurance policies may also cover short term holiday rentals or holiday homes, such as approved Airbnb and Stayz residences.

Cover for your rental property (Landlords Cover)

If you own a rental property, you are vulnerable to the same risks of any homeowner, such as storms, floods and fire. You’re also vulnerable to damage that tenants can do to your contents. And if you can’t rent out your property while it’s being repaired or if your tenants break the lease or leave owing you rent, you could also lose valuable rental income. It pays to have landlord insurance, which is designed to protect owners of investment properties.

Who should consider it?

If you own an investment property, you should consider taking out landlord insurance to protect your investment and the income it provides. As well as long term leases, landlord insurance policies may also cover short term holiday rentals or holiday homes, such as approved Airbnb and Stayz residences.

What can it cover?

The cover you will receive depends on the policy that you take out, but your landlord insurance policy may include:

• Automatic cover for flood, fire or explosion
• Liability cover for injury or loss of life to a third party or their property
• Cover for to landlord’s contents – like carpets, curtains, washing machines and ovens 
• Catastrophe cover
• The option to cover loss of rent
• Loss or damage caused by tenants or their visitors
• Electric motor burnout

What isn’t covered?

There are exclusions. There is also often a deductible or excess and limits on cover, so check with your Insurance Broker.

Contents 

cover for accidental loss or damage to your personal belongings. From basic cover to comprehensive cover, landlord contents and holiday home contents.

Who should consider it?

If you have accumulated a few household items and they are precious to you, then you need to protect them with Contents insurance so they can be replaced in the event of theft or damage. Can you easily afford to replace them yourselves, or would you prefer someone else to pay for their replacement?

What can it cover?

Contents insurance provides a level of financial protection against damage, theft or loss of personal possessions – the ‘contents’ of your home. This may include anything from a pair of designer sunglasses to a flatscreen TV, to your furniture and carpets.

If you have contents insurance, many household items should be automatically covered under your policy’s general contents provisions, but you may need to specifically list particularly expensive items within the policy, such as fine jewellery or artwork. Be aware that there may be dollar limits that can be claimed per item and that depending on the policy, higher premiums may apply if you choose to take out this additional cover.

The team at Futurisk will let you know what can be covered and what discounts are available, and you can select the excess.

What isn’t covered?

There are exclusions. There is also often a deductible or excess and limits on cover, so check with your Insurance Broker.

Home Contents Sum Insured Calculator

No more guessing, no more time-consuming calculations, and no more under insurance! Click on the below link to calculate the level of cover you need for your Home Contents. 

Home Contents Sum Calculator

Quality cover to get you back behind the wheel faster. Whether you are zipping around the city in a small car or riding a motorbike, or driving a sleek luxury model, you depend on your vehicle for freedom and flexibility. So, it is great to know that if it gets damaged or is written off, you’ve got the cover you need to get you back on the road as soon as possible. Motor insurance includes a range of covers to suit every driver and vehicle type.

Who should consider it?

If you have a car, it makes sense to protect yourself against unexpected costs with car insurance. 

That’s because accidents can be costly – especially when you’re at fault. If your car is involved in an accident you caused, you will not only have the expense of repairing your own car – you will generally have to pay for damage to the other vehicle or property too.

What can it cover?

The cover provided by comprehensive insurance can vary, depending on the policy.

But here are some examples of possible cover:

• Replacement of a lost or stolen vehicle
• Cover to help pay for the damage you’ve caused to another person’s vehicle or property
• Cover for the cost of a rental car if your car needs repairing or gets stolen
• A replacement of the same make and model for new cars that are written off within twelve months
• Legal liability cover
• Re-keying or re-coding of vehicle keys that are stolen.
• Broken Windscreens

What isn’t covered?

There are exclusions. There is also often a deductible or excess and limits on cover, so check with your Steadfast Insurance Broker.

Pleasure Craft Insurance is designed to cover marine vessels used for private purposes. These include yachts, cruisers, wave riders, jet skis, dingy’s and sail craft. It does not cover vessels that are used for business purposes. (They must be insured under a Marine Hull policy).

Boat insurance may help cover a motorboat, sailboat or personal watercraft if it's stolen, in an accident, or damaged by a covered peril like fire or lightning. Boat insurance may also help protect you if you accidentally injure someone or damage their property with your boat.

In the event of an accident involving your boat, you'll be covered for: Accidental physical loss or damage to the boat and its equipment. Costs of emergency rescue and accommodation. And damage to other party property or vessels

Whether you own a cat, dog or a horse, we know how important they are to you. Pet insurance provides cover for one’s pets for every step of the way, from when they’re just babies to their later years. It covers veterinary bills such as veterinary consultations, specialist care, surgery and more. These bills can cost thousands of dollars and can be simply too expensive for some families to afford.

Travel Insurance: Provides cover while you are travelling for risks such as:

• travel disruption
• cancellations
• loss of deposits
• lost, stolen or damaged luggage
• emergency hospital and medical expenses, and
• personal liability during your travel