About EQCover
Our natural hazards cover provides the first layer of insurance cover for your home, and limited cover for your land.
Cover for storm, flood, and landslide damage
After severe weather events we can contribute to the cost of cleaning up your land as a part of your settlement.
Claims
Learn about making a new claim, the claims process, and what to do when buying or selling a home with previous claims, including asking us for claim information
Our partnership with insurers
We work with most private insurers to simplify the process for making a claim for natural hazard damage.
Making urgent repairs
If your home has been damaged by a natural hazard event, you may need to carry out urgent repairs to make your home safe.
Section notices
If certain section notices appear on a property title this can affect natural hazards cover and the outcome of any claims.
Canterbury earthquakes
We’re working hard to resolve outstanding Canterbury claims so no one continues to live in earthquake damaged homes.
Homeowners
Making your home safer for natural hazards
Home buyers
Features to look for in a property
Building and renovating
Make your investment last
Apartments and shared property
What to think about and how to prepare
Tenants
Ways to make your rental home safer
Natural hazards where you live
Know what hazards could affect the area you live in
Landlords
Ways to protect your investment
Resources
Useful information to help you prepare
Our role
We exist to reduce the impact on people and property when natural hazard events occur.
Our story
New Zealand has a history of natural hazard events that has shaped our organisation’s history, and our name.
Our people
Get to know our Minister, Board of Commissioners, and Executive Leadership team.
How we work
As a government agency we have rules, policies, and ways of working that guide what we do. In this section you can learn more about EQC Toka Tū Ake as an organisation and the work we do.
Homes in low-lying areas near waterways are generally more at risk of floods. Buildings with low floor levels are more likely to be flooded in these areas.
Ask your local council for a flood plain map to see if you’re living in or near a flood-risk area.
Toka Tū Ake EQC covers flood and storm damage on defined areas of residential land, where there’s a current private insurance policy for the home, which includes fire insurance (most do).