What We Cover
Comprehensive protection for every aspect of your lifestyle property
We offer a comprehensive range of coverage options for lifestyle properties – from your home and personal belongings to livestock, vehicles, and rural infrastructure. Choose the cover that's right for you.
Rural Home
Comprehensive cover for your residential dwelling and everything within your residential boundary.
- Full replacement cover for your dwelling, fixtures & fittings
- Permanently fixed swimming pools & equipment (up to $75,000)
- Tennis courts included as standard
- Garages, carports, garden sheds & glasshouses
- Patios, decks, paths, steps, gates & fences
- Garden & retaining walls (up to $75,000)
- Solar power & solar water heating systems
- Temporary accommodation during repairs (up to $30,000)
Lifestyle Block Outbuildings
Cover for buildings and structures outside your residential boundary used for rural lifestyle purposes.
- Stables, barns & horse shelters
- Workshops & implement sheds
- Buildings for animal feed storage
- Machinery storage buildings
- Tack rooms & equestrian facilities
- Nominated sum insured to suit your needs
Lifestyle Block Fencing
Protection for fencing and shelter belts across your entire lifestyle block boundary.
- Boundary & internal fencing
- Post and rail fencing
- Post and wire fencing
- Electric fencing systems
- Shelter belts & artificial windbreaks
- Standard cover up to $10,000 or higher nominated amount
Livestock & Rural Assets
Comprehensive rural material damage cover for your animals, equipment and rural assets.
- Horses, alpacas, llamas & deer
- Cattle, sheep, goats & calves
- Irrigation equipment & irrigators
- Beehives & grape vines
- Drones for property management
- Sealed driveways & surfaces
Rural Motor
Complete vehicle coverage for both private and farm vehicles on your lifestyle property.
- Private vehicles - comprehensive, third party fire & theft, or third party only
- Farm vehicles - tractors, quad bikes, UTVs
- Horse floats & trailers
- Ride-on mowers & utility vehicles
- Unspecified farm vehicles option
- Loss of use coverage available
Water & Infrastructure
Coverage for essential infrastructure that keeps your lifestyle property running.
- Water storage tanks & septic tanks
- Wells, boreholes & pumps
- Bridges, culverts, permanent fords & dams (up to $20,000)
- Power & telephone lines, data cables
- Supply & wastewater pipes
- Private utility plant - generators, wind & water mills
- Drip, pod & fixed post irrigation (up to $2,000)
Premium Lifestyle Amenities
Your high-value amenities are automatically covered as part of your home
Swimming Pools & Spa Pools
Permanently fixed pools covered up to $75,000 including necessary equipment such as pumps. Can be increased as a special feature with higher sum insured.
Tennis Courts
Tennis courts within your residential boundary are automatically covered as part of your home. No additional premium required.
Automatic Benefits Included
Every policy comes with these valuable benefits at no extra cost
Rural Liability Protection
Lifestyle properties come with unique liability risks. Our policies include comprehensive protection:
- Legal liability up to $5 million
- Livestock liability - escaped animals causing injury or damage
- Accidental pollution coverage
- Defence and legal costs included
- Court-ordered costs and reparation
- General liability options from $1M to $5M
- Statutory liability available
Natural Hazard Coverage
New Zealand's unique environment means natural events are a real risk. Our policies include:
- Earthquake damage (EQCover eligible)
- Storm and flood damage
- Landslip and land movement
- Volcanic activity and tsunami
- Bushfire and wildfire protection
- Hydrothermal activity
- 72-hour stand-down for new policies (waived for property purchase)
Get a Customised Quote
Tell us about your property and we'll provide a tailored insurance solution.
Request Your Quote