TenantInsurance.co.nz

Standards

How we source this site

Insurance content is easy to write badly. These are the rules we hold ourselves to, and the list of things we could not stand up.

The standard

Rules come from the legislation, not from marketing

Where a statute or regulation sets the position — the tenant liability cap, the meth thresholds, the disclosure duties — we cite the legislation or the government guidance describing it, with the date that page was last updated. We do not cite an insurer’s summary of the law.

Product facts come only from the insurer’s own domain

Every figure we attribute to an insurer was retrieved from that insurer’s own website, on a date we publish. We do not take product information from comparison sites, aggregators or third-party reviews, because that is how unverifiable and sometimes simply wrong claims get into circulation.

Insurer figures are attributed, never tabulated

A comparison row is itself a claim that two things are comparable. Tower sells three renter tiers with different limits for the same named benefit; a built-in benefit and an optional extra are not the same product. So insurer figures appear in prose, named, with the tier where the tier matters.

Summaries are labelled as summaries

What insurers publish on their product pages is a summary of key benefits. Excesses, terms, conditions, limits and exclusions apply, and the policy wording governs. We say so wherever we quote one.

If we cannot source it, we delete it

The alternative — writing something plausible — is how sites in this sector end up misleading people. Where we could not verify a claim, the claim does not appear, and the gap is listed below instead.

We do not cite competitors

Several comparison sites rank well on these terms. They are not sources for this site and we do not link to them.

What we could not establish

Published so that nobody — including us, later — fills these gaps with a guess.

Average or typical premiums

No New Zealand insurer or regulator publishes an average premium for renters or landlord cover. The figures that circulate come from comparison sites working off their own quote data, which is not a market average. We explain what drives a premium instead of printing a number.

AMI’s benefit limits

AMI publishes its landlord product structure but no benefit figures on its landlord page, so AMI’s entry carries structure and no numbers. (AMP and Initio initially fell into this gap too; both were re-retrieved successfully on 8 September 2026 and now carry their published limits.)

Which insurer is “best” or “cheapest”

Not establishable from public information, and not a judgement we are in a position to make. We do not rank insurers.

Whether a given insurer’s meth cover matches the 2026 thresholds

The regulations changed in 2026 and insurer responses vary and are not uniformly published. We state the statutory thresholds and say to check your own wording — which is a real answer, not a hedge.

The fair wear and tear liability rule, from a live source

Tenancy Services’ dedicated fair-wear-and-tear and tenant-damage pages both returned “page not found” when we checked on 8 September 2026. We therefore describe fair wear and tear as a category distinct from damage — which the pet bond rules support — rather than asserting a liability rule we could not read for ourselves.

What any particular body corporate policy covers

It varies building by building and we have no way to verify yours. We describe the categories that typically fall outside it rather than asserting what yours does.

Our sources

Correction log

Nothing logged yet. When we get something wrong and fix it, the correction appears here with the date, rather than being quietly edited away.

Found something wrong? Tell us and we will check it against the source.