Buildings Insurance
by Region
Every part of New Zealand has a unique risk profile. From Wellington's earthquake fault to Hawke's Bay's post-Gabrielle flood zones — find guides and expert advisers for your area.
Get a Quote for My AreaChoose Your Region
Select your city or region for local risk information, premium ranges, and to connect with a licensed adviser who knows your area.
Auckland
Auckland is New Zealand's largest city and home to over a third of the country's population — and its property values reflect that. With a v…
Typical Premium
$1,200 – $2,800/yr
Wellington
Wellington is widely regarded as the most earthquake-prone major city in New Zealand — sitting astride the Wellington Fault and the Hikurang…
Typical Premium
$1,400 – $3,500/yr
Christchurch
Christchurch's relationship with insurance is unlike any other New Zealand city. The 2010–2011 Canterbury earthquake sequence — over 11,000 …
Typical Premium
$900 – $2,200/yr
Hamilton
Hamilton is one of New Zealand's fastest-growing cities, straddling the Waikato River and surrounded by some of the country's richest farmla…
Typical Premium
$800 – $1,800/yr
Tauranga
Tauranga is one of New Zealand's fastest-growing cities, with a booming property market driven by lifestyle migration and strong economic fu…
Typical Premium
$900 – $2,000/yr
Dunedin
Dunedin is New Zealand's "heritage city" — home to an extraordinary stock of Victorian and Edwardian architecture, a large student populatio…
Typical Premium
$800 – $1,800/yr
Hawke's Bay
Hawke's Bay was the most severely affected region in Cyclone Gabrielle — February 2023's catastrophic weather event that became the costlies…
Typical Premium
$900 – $2,200/yr
Nelson
The Nelson-Marlborough-Tasman region enjoys New Zealand's highest sunshine hours — but that comes with a trade-off. Extended dry periods cre…
Typical Premium
$900 – $1,900/yr
Rotorua
Rotorua is unlike any other city in New Zealand — or the world. The city sits on an active geothermal field, with steam vents, sulphur sprin…
Typical Premium
$900 – $2,000/yr
New Plymouth
New Plymouth sits in the shadow of Mount Taranaki — one of the world's most symmetrical and potentially active volcanoes. The city's coastal…
Typical Premium
$850 – $1,800/yr
Queenstown
Queenstown is New Zealand's adventure capital and one of the most internationally recognised property markets in the Southern Hemisphere. Sk…
Typical Premium
$1,500 – $4,000+/yr
Whangārei
Whangārei is the northernmost city in New Zealand and the gateway to the Far North. Northland's sub-tropical climate brings warm temperature…
Typical Premium
$900 – $2,000/yr
Palmerston North
Palmerston North is the hub of the Manawatū-Whanganui region — a university city with a strong agri-science sector, Defence Force presence, …
Typical Premium
$750 – $1,600/yr
Invercargill
Invercargill — the southernmost city in New Zealand — offers some of the country's most affordable property values, but this doesn't mean in…
Typical Premium
$700 – $1,500/yr
Gisborne
Gisborne — the first city in the world to see the sunrise — is the hub of the Tairāwhiti region. It was also one of the worst-affected areas…
Typical Premium
$900 – $2,000/yr
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