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House insurance

Looking for a quote? +675 321 1388
  • Sleep easy knowing your home is protected against a wide range of events
  • One event, one excess
  • We can cover your accommodation costs while your house is being repaired or rebuilt
  • Get a quote in one easy phone call.

Download our insurance brochure here.


  • Legal liability cover

    Up to K100,000 for your legal liability if an accident happens at your house which causes loss or damage to other people’s property or injury to someone.

  • Temporary accommodation cover

    Up to K5,000 for temporary accommodation costs.

  • Keys and locks cover

    Up to K250 for replacement keys and locks – with no excess to pay.

  • One event - one excess

    If one event causes you to claim on two or more of your TOWER policies, such as your house, contents and vehicle, you will only have to pay one excess.

Optional benefits

  • Earthquake cover

    Cover for your house if it’s damaged by earthquake, volcanic eruption, geothermal or hydrothermal activity or tsunami.

  • Rental cover

    Up to K15,000 for loss of rent and up to K5,000 for damage to fixtures and fittings if your house is tenanted.

Important: This is a summary only. For a full outline of the policy terms, conditions and exclusions please read the policy wording (below) and the certificate of insurance.

Your choice of cover

You also have the choice of insuring your house for either:

  • Replacement value where we cover the cost of rebuilding, replacing or repairing your house to a new condition – up to a maximum of the sum insured; or
  • Indemnity value which is more limited and means we cover the cost of rebuilding or repairing your house to a condition no better than new, less an appropriate allowance for depreciation and deferred maintenance – up to a maximum of the sum insured.

House insurance quote

Make a claim

Call us on
+675 321 1388
or drop into your local office.

House insurance full policy document

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