Invest In The Right Insurance For You

Get The Right Insurance

Whether you're a homeowner or a property investor, securing the right insurance is crucial to protect your assets, family, and future.

Our team will help you ensure that your insurance coverage meets your needs, protects your assets, and provides peace of mind. Whether you’re reviewing an existing policy, purchasing a new one, or navigating major life changes, an advisor can help you avoid mistakes and select the best insurance companies and insurance policies.

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Consulting with an experienced insurance adviser ensures that you’re making informed decisions about your coverage.

Insurance advisers and financial advisers play a key role in guiding you toward the right coverage for your unique needs. With a professional by your side, you gain access to personalised advice and options tailored to your circumstances. Choosing the right insurance broker is essential. Look for a professional who has experience in personal risk insurance and a solid understanding of the insurance market.

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Ready to find the right coverage for you?

Get in touch with one of our financial advisers today and compare insurance quotes to secure the protection you need.

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Assessing Your Insurance Needs

Personal Risk Insurance is crucial, particularly if you’re purchasing property for the first time or second time. When buying a property, it’s essential to understand your insurance needs. Your age, health, family size, and financial obligations all influence the type and amount of coverage required. Take time to evaluate your specific situation to determine the right level of protection.

Factors to consider include:

Age: Older individuals may require more comprehensive coverage due to potential health risks.
Health: Ensure you have adequate health insurance or private medical insurance in place.
Family Size: If you’re supporting a growing family, you may need higher levels of life insurance or income protection insurance to ensure their security.

Here’s an overview of the most common types of insurance to consider:

Financial Safeguards

If the unexpected happens, there are various types of life insurance and funeral insurance that can help cover funeral costs, outstanding debts, and provides ongoing support for dependents.

Continue Ongoing Payments

Income protection insurance and disability insurance ensure that you continue receiving an income if you need to maintain on-going payments but cannot work due to illness or injury.

Covering Your Health

Medical insurance and trauma insurance helps cover medical expenses for a broad range of conditions.

Common Mistakes to Avoid When Choosing Insurance

A common mistake many homeowners and property investors make is not reviewing their insurance policies regularly. Failing to adjust coverage based on life changes or financial shifts can leave you underinsured. Here’s why speaking to a professional should be your next step and how you can ensure avoiding common pitfalls.

Inadequate Coverage

Many people underestimate their insurance needs. Ensure that your policy provides enough coverage for your health, family and any liabilities that may arise.

Neglecting to Compare Insurance Quotes:

Not comparing quotes from insurance companies could lead to missed opportunities for better deals or more comprehensive coverage.

Overlooking Specific Risks:

Certain risks, such as business interruptions or disability, require specialised income protection or business insurance. Make sure your policies reflect these potential risks.

When Do You Need To Update Your Insurance Policies?

Consider consulting your insurance adviser to assess whether your current coverage is still aligned with your financial goals, and explore insurance quotes online to ensure you’re getting the best deal.

Major Life Events

Major life events, such as getting married or having children signal a need to reassess your coverage to protect your family and assets from financial hardship.

Adequate Coverage

An accumulation of assets should prompt you to review your insurance to ensure that any new financial obligations and assets are accounted for.

Changing Financial Obligations

Changing jobs, or even buying a property, or during a mortgage refix or renewal, is a good time to reassess your coverage.

Join our growing list of happy Kiwis

When selecting an adviser, consider their qualifications, client reviews, and experience with your type of insurance needs. A good adviser will help you navigate insurance quotes, ensure you’re adequately covered for potential risks, and assist you with your insurance decisions.

William Green 5 Star Google Review

Andy at insurancehq has been an outstanding help for us. He made the setup of our policies seem effortless and removed the stress from a fairly stressful time which was the biggest help for us. His knowledge in the insurance side of things gave us confidence we were working with the right team. I'm sure we'll meet and I owe you a lemonade at least mate. Thanks again from Abbey & Will.

Lisa Jaksic 5 Star Google Review

We had such a great experience with Andy! He tailored insurance needs for us and was very friendly and efficient with getting things sorted for us, with a new born this really made getting everything set up a lot easier!

Brendon Scott 5 Star Google Review

Andy is amazing! It's a 10 / 10 from me. I'd had some significant mental blocks with life insurances in particular for years... had never quite understood it so wasn't confident if something bad happened that the policy would cover that situation. This only heightened as I'm a self-employed IT Contractor so couldn't fall back on a large company giving me odd jobs to do should I get seriously injured and be unable to do my usual duties. I do believe a lot of my previous hesitations were due to bad experiences and people emailing me policy documents when I ask questions. I always felt that if you know and stand behind what you're selling then you should be able to explain it clearly and confidently; Andy is the only Insurance Advisor I've come across willing to do this. He explained just what I needed to know in just the right way I needed to hear it. He answered all of my queries and concerns. I feel so good now, knowing that if something unexpected occurs, that the family and/or I will continue to be able to function happily as well as the investment strategy continuing under its own steam.

Winetrades 5 Star Google Review

Andy did a really good job with a insurance related claim. Working even though he was on holidays and we got the claim approved supper fast. Excellent work

Shanika Wijerathna 5 Star Google Review

My wife and I recently got our insurance sorted through Insurancehq. Best service ever. Andy from Insurancehq was very professional and he spent lot of time to discuss and make sure that we are getting the right insurance package for us. We filled all the forms online after work hours over a video call which was supper convenient.

Michael Reynolds 5 Star Google Review

Andy was great. Very thorough, professional and friendly. It's great to know he has our back and will keep connected as our plans change and grow in future. Trust is important, and I 100% trust Andy looking after my life and living insurance needs.

Warwick Slow 5 Star Google Review

Andy is really knowledgeable and personable adviser. Very impressed with his ability to find the right solution for my partner and I. He knows each insurance company's products inside out and was able to find the right fit for us. Would highly recommend.

Jessica Lynne Ilisan 5 Star Google Review

The whole team is amazing! Always prompt and knowledgeable regarding the enquiries we have for our insurance. Thank you for being efficient!

Mark Norton 5 Star Google Review

A very thorough, professional experience. Me and my partner have just bought our first home, and needed to sort insurances. Insurance can be a difficult thing to understand but Andy and his team made it so easy! I was able to fully understand the need and benefits of it, as well as going away feeling like I knew what I had cover for. The follow up and administration was also really quick. Just an overall great experience, would highly recommend to anyone! Thanks again

Start Your Journey Today

Book your 10-minute obligation-free chat.

Ready to find the right coverage for you?

Get in touch with one of our financial advisers today and compare insurance quotes to secure the protection you need.

Book your call now. We’ll email your booking confirmation email to you.

Talk with our team

Find your Advisor

$80,000 of Rental Income

Invest In The Right Insurance For You

Get The Right Insurance

Start Your Journey Today

Book your 10-minute obligation-free chat.

Assessing Your Insurance Needs

Financial Safeguards

Continue Ongoing Payments

Covering Your Health

Common Mistakes to Avoid When Choosing Insurance

Inadequate Coverage

Neglecting to Compare Insurance Quotes:

Overlooking Specific Risks:

When Do You Need To Update Your Insurance Policies?

Major Life Events

Adequate Coverage

Changing Financial Obligations

Join our growing list of happy Kiwis

Start Your Journey Today

Book your 10-minute obligation-free chat.

Financial Freedom Faster