HOME & CONTENTS
SECURE YOUR LIFESTYLE WITH HOME INSURANCE
There are two main options for home insurance that will insure the value of your house against unfortunate events such as flooding, fires, intentional damage or arson. It can also protect you from the incidence of natural disasters. As New Zealanders, we have been witness to the tragedy of the Christchurch Earthquakes, we know that these things can happen to us. With our help, you won’t have to take the chance of losing it all. Home insurance can also include a number of optional benefits.
Comprehensive Home Insurance
A comprehensive home insurance policy will cover the repair of your home, or it will pay out an amount up to the maximum you select, when you take out the policy. The broadest range of possible conditions are covered, including a higher level of policy and value limits. A comprehensive home insurance policy can also include additional benefits, including covering the costs of alternative accommodation, hidden gradual damage, key and lock replacement, landscaping cover for damage to your gardens and natural disaster cover.
Basic Home Insurance
A more basic and less comprehensive home insurance cover with more cost effective premiums. This form of cover is best suited for those who wish to have some form of protection but cannot manage the more comprehensive policy premiums. Basic home insurance will generally insure the value of your house to a lesser amount. With a more basic package, some of the additional benefits may or may not be present.
If you require home insurance, we can design a package for you that will fit your needs at the best possible price. We will also offer unmatched additional service, including ongoing support with your insurance as well as claims management during your most stressful times. We can outline a policy with all the features you need and none that you don’t. Don’t hesitate to contact Hood Insurance Brokers for more information anytime. We’d be proud to work for you.
PROTECT YOUR POSSESSIONS WITH CONTENTS INSURANCE
PREMIUM CONTENTS INSURANCE
A premium, comprehensive contents insurance policy can cover the repair or replacement of all your most valuable possessions. This can include items you may have in storage, protection of items in transit and even some items you may have with you while travelling overseas. This can also protect money you could lose if your credit or debit cards are lost or stolen and used fraudulently by the offending party.
COST EFFECTIVE CONTENTS INSURANCE
A more basic and less comprehensive contents cover with more cost effective premiums. This form of cover is best suited for those whose contents are less valuable, less exclusive or those who wish to have some form of protection but cannot manage the more comprehensive policy premiums. If you don’t know which option is best for you, the team at Hood Insurance Brokers offer a free consultation, and we can let you know which option would work the best for your unique circumstances.
House under Construction or Alteration
This benefit protects you against damage that may occur while your house is under construction or if it is undergoing significant alterations.
Contents of Fridge/Freezer
In the case of malfunction, breakdown or destruction of your refrigeration unit, this benefit will replace your spoiled food contained within.
Keys and Locks
Pays the cost incurred to replace keys and locks that have been damaged, lost or destroyed.
If in possession of an up to date valuation dated prior to the loss, this benefit will go some way to recuperating the value of your lost and stolen jewellery.
Spectacles, Contact Lenses, Hearing Aids & Dentures
If you suffer accidental damage or loss of these items and a claim is accepted, this will pay for the replacement or repair.
If you require contents insurance, we can design an insurance package for you that will fit your needs at the most competitive price. We will also offer unmatched ongoing support, including professional staff on hand for any form of assistance, as well as claims management during your most stressful times. We can outline a policy with all the features you need and none that you don’t. Your possessions need protecting, and it doesn’t have to break the bank. Contact us for more information or a free, no obligation quote anytime.
VEHICLE, MARINE & BOAT INSURANCES
FIRST CLASS VEHICLE INSURANCE
According to statistics from the Ministry of Transport, there were over 9,000 crashes per year causing injury in New Zealand. This number doesn’t take into account accidents causing damage to the car but not injury, which sends the number much higher. The bottom line is that even if you are the most experienced and skilled driver in the world, accidents do happen. You can’t control other drivers on the road or unforeseen changes in conditions.
Don’t leave it to chance, we can make sure your vehicle is covered, and your repair or replacement costs are provided for. Vehicle Insurance is crucial, and we can get you the best insurance deals from the most reputable providers in the market.
MARINE & BOAT INSURANCE
If you own a personal boat or run a business involving a vessel (or fleet of vessels), Spratt team can provide for repair or replacement of your boat(s) following damage or an accident. Additional benefits can also be included in your policy such as rescue and salvage costs, medical expenses if injury is caused in a boating accident or a benefit providing for the costs associated with emergency towing back to shore. A marine insurance policy can also cover some personal effects that you have on board your vessel at the time of the damage or accident.
A full list of the circumstances you will be insured for is available from us at any time. You can rest assured that with Spratt Insurance, your policy will be efficient, affordable and personalised to suit your unique needs.
OUR PARTNER: HOOD INSURANCE BROKERS
WHY CHOOSE SPRATT?
of Experience in NZ Financial Services
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