Comprehensive cover for your home


 Echelon cover provides

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    If your house is damaged we’ll repair or restore your home to the position it was in prior to the damage. If it’s totally destroyed and you choose not to rebuild it on the same site, we can agree to pay you present value so you can build a new home somewhere else.

  • If you can’t live in your house because of damage covered by the policy, we’ll pay for accommodation for your family and your pets while it’s being repaired.

  • You will only have to pay an excess of $250 per event on a claim that is solely for the accidental breakage of a window, bathroom fitting or fixed glass lampshade.

  • Echelon cover extends to any part of your home used as a home office.

  • We’ll cover your legal liability if you accidentally damage someone else’s property or if you accidentally injure somebody, anywhere in New Zealand in relation to your home ownership. Provided you check with us first, we may also cover your legal fees.

  • You can choose to add an optional benefit to cover the use of your home by tenants. This will protect your home from intentional damage, theft or loss of rent.

  • Echelon Home cover provides many more benefits. These include gradual damage of up to $3,000 per year to your home caused by water leaking from an internal water pipe or tank, a stress payment of up to $2000 if your home is totally destroyed, and limited cover for a new structure being built on your property.

    We also provide up to $15,000 towards the additional cost of using sustainable building materials if you have to rebuild your home after a total loss.

    The above information is intended as a guide only. Maximum limits and certain exclusions do apply.

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Call 0800 800 800


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Lantern Insurance is a business division of IAG New Zealand Ltd

For a complete description of your cover, please refer to your policy wording, policy schedule and any other relevant policy documents.
This information is a general guide only and is not necessarily complete. We reserve the right to change, update or correct any information from time to time without notice.