Insurance for homeowners
Mortgage life cover, rebuilding, earthquake, flood, contents, and income risk.
Homeowners should confirm mortgage group credit life insurance, insure the building at rebuilding cost with realistic contents, decide earthquake and flood cover from the hazard map, and protect the income needed to keep paying the loan.
Benefits may vary by: insurer · employment status · municipality · household
Get professional or administrator help: Confirm the mortgage credit-life terms and rebuilding valuation with your lender and insurer.
Review due: 2026-10-30
Key points
- Confirm whether the mortgage includes group credit life insurance.
- Insure the building at rebuilding cost, not land or resale value.
- Decide earthquake and flood cover from local hazard exposure.
- Income protection keeps the loan serviceable after disability.
Layer the property and income risks
Group credit life may clear the mortgage on death but not fund daily living. Add building and contents at realistic values, earthquake and flood where the hazard map warrants, personal liability, and income protection for disability.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.