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Rebuild costs in New Zealand have surged more than 20% between 2020 and 2023, yet most homeowners haven't updated their sum insured to reflect these increases.

Standard contents policies typically cap unspecified items between $20,000 and $50,000 in total, with individual items often limited to around $2,500 per item. If you own jewellery, cameras, musical instruments, art, or collectibles worth more than this, you need to schedule them separately with adequate valuation.

No, standard home insurance policies typically don't cover business equipment, computers, specialist tools, or stock used for home-based businesses. If you operate a business from home, you need specific business equipment coverage.

NHC provides the initial layer of natural disaster cover for residential property owners with private insurance, automatically activating when you purchase private cover. The NHC statutory cap is currently $300,000 plus GST for residential buildings, with damage above that threshold falling to your private insurer.

Market value is what your home is worth on the market, while rebuild cost includes demolition, clearing the section, council consents, and construction from scratch. Demolition and consent costs alone can add 10 to 15% on top of actual construction costs, making rebuild cost significantly different from market value.