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Contract works insurance

Whether you're building your dream house from scratch or renovating, we've got you covered.

Call 0800 782 838 to get a quote or

Request a call back

When you may need Contract works insurance

Building a house

Make sure your new house-to-be is covered for accidental loss or damage during the build.

You're renovating

Your house insurance may not cover your renovations. Get cover for accidental loss or damage when you’re renovating, living in the house and you already have house insurance with us.

You’re renovating and the house is unoccupied

Get cover for accidental loss or damage when your house is being renovated, no one is living in it and you haven’t got house insurance.

What do you get?

Cover for existing structures

Cover for existing structures

This protects the part of the house that is being worked on. Your house policy may not cover you while you’re making alterations, so this is a good idea if you’re carrying out alterations to an existing house.

Cover for building materials

Cover for building materials

We'll cover you for any loss or damage to building materials on your building site, including those supplied by your contractor.

Cover for loss in transit

Cover for loss in transit

We'll cover you for any loss or damage to building materials while they're being transported to your building site.

Cover for professional fees

Cover for professional fees

If you need to do rebuilding work after a loss or damage covered by this policy, we'll pay for the services of an architect, engineer or other consultant.

Cover for speedy recovery

Cover for speedy recovery

Sometimes it's important not to hold up construction. If your partially built house is damaged, but you still need to finish building on time, we can pay for overtime labour costs, as well as express delivery or airfreight costs for materials you need to repair the damage quickly.

Other benefits

Other benefits

  • We'll cover any inflationary increases in the cost of labour and building materials
  • Reinstatement of insurance
  • Cover for demolition and clean up.

Some conditions apply. Full details are set out in our policy document.

What to do when you've completed your build or renovation

  • Make sure you're got adequate House insurance and your House Sum Insured is up to date.
  • Make sure you have the right level of contents cover. You may have bought some new things to go with your new build or renovation, so it's a good time to make sure your contents cover is up to date.

A few questions answered

Got more questions? Call 0800 782 838 or email: business@ami.co.nz.

Got any questions?