Buying guide
What can void home insurance in NZ?
Don’t get on the wrong side of your policy wording.
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AI summary
Protect your home insurance by avoiding common pitfalls. Your policy can be voided for several reasons, including missing your renewal payment, providing inaccurate information about your property, or leaving your home unoccupied for an extended period (often over 60 days).
Insurers also expect you to perform regular maintenance and repairs and take reasonable care by locking up. Failing to report crimes like burglary to the police can also jeopardise your claim, so always read your policy carefully.
What can invalidate your home insurance policy?
1. You miss your renewal date
2. You provided inaccurate information
Study your policy carefully to understand the rules and regulations.
3. You leave your home unoccupied
4. You’re lax about maintenance and repairs
5. You regularly forget to lock up
Regularly forgetting to lock up can void your home insurance policy.
6. You failed to contact the police
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