Essential insurance for your home so you know you’ve got the basics covered


 Essence cover provides

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    If your house is damaged we’ll pay either to 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 may also agree to pay you its value at the time of the damage so you can build a new home somewhere else.

  • If your house is tenanted this cover extends to include fixtures and fittings owned by you. You also have protection against loss of rent if the house is rendered uninhabitable because of damage that’s covered under this policy.

  • Essence cover extends to any new building work being undertaken around your home and any associated building materials.

  • Any part of your home that you use as a home office is also covered under this policy.

  • 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.

  • Essence cover provides many more benefits. These include an alternative accommodation benefit if your home can’t be lived in because of damage that’s covered by this policy, a stress payment of up to $2000 if your home is totally destroyed, and up to $2500 to cover landscaping costs if your garden is damaged in an event that you can claim for.

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

Ready for a quote?

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.