How to claim on your insurance

Have you ever wondered what you would do if you had a claim on your property? At initio we have complied a step by step guide to help you navigate making a claim. Step 1. Secure your Property Take care of … Continue reading

Contents Cover Explained

When you insure your Holiday Home or Own Home with initio you have choices when it comes to your Contents Insurance. You can choose how much cover (your sum insured) and which type of cover – Replacement Value or Present … Continue reading

Top tips to protect your rental house from fire

With Winter well and truly upon us, the heaters have come out. Not surprisingly most residential house fires occur during winter. Kitchen fires make up about a quarter of all house fires – they commonly start from unattended cooking and … Continue reading

Top 5 things to check for in your Landlord Insurance policy

As a landlord, the risks to which you are exposed are often not covered by a standard insurance policy. When taking this next step on the property ladder it is important to have the right Landlord Insurance cover in place … Continue reading

What are the consequences of meth in rental properties?

Andrew King, of the New Zealand Property Investors Federation, has written a common sense article on the consequences of meth in rental properties.  The consequences of Meth in rental properties has been escalating over the last few years. Fortunately it … Continue reading

Deferring property maintenance will cost you more

While keeping yields high on your rental property is generally the objective, as a landlord its important to keep up with maintenance as deferring it may end up costing you a lot more. The added benefit is that well maintained … Continue reading

Levies on the increase

Double whammy on levies Did you know that a large portion of your house insurance premium goes to the government in levies. For the average initio house insurance policy sold through our site www.initio.co.nz, over a THIRD of the cost … Continue reading

Landlords Insurance Q & A

Landlords Insurance Q&A – what you need to know about insuring your investment property. Recently we were approached by the Auckland Property Investors Association to do a brief Q&A on landlords insurance, and some of the risks that landlords face … Continue reading

Insurance in 2017

2016 in review: With 2016 gone and everyone returning from the beach, it is a good opportunity to reflect on the events of the past 12 months and provide an update on changes to the insurance market for 2017. 2016 … Continue reading

Insurance or maintenance?

Knowing just how far the cover goes is one of the most important things to consider with insurance. Knowing what can and can’t be covered means you can better prepare and plan for the unforeseen. In general, insurance is there … Continue reading