What we do
In this section you can learn more about our research, education, insurance and fund management roles.
Insurance and claims
Resilience and research
Research and resilience
Ways to make your home stronger and safer in the event of a natural disaster.
EQCover can help get you back on your feet after a natural disaster
What you're covered for
EQCover applies to several types of natural hazard damage
Natural Disaster Fund
Find out what the Natural Disaster Fund is used for and how it's invested
Our research programme is a core part of our Resilience Strategy for Natural Hazard Risk Reduction and is part of our function under the Earthquake Commission Act 1993.
Our role in a natural disaster
We’re implementing a purchase order system
Natural disaster insurance
EQCover insurance overview
Natural Disaster Response Model
Natural disaster response model page
Make or manage an EQCover claim
Many new EQCover claims can be managed by your private insurer. This page provides more information.
Requesting claim information
If you want information about the history of a claim, find out more here
Process for managing EQCover claims
Making urgent repairs
Making urgent repairs
Projects on the go, how to apply for funding, search for research results
Data and modelling
Major data and loss modelling projects
Risk reduction and resilience
How we work to reduce risk and build resilience
Creating an Aotearoa New Zealand that is better informed about our natural hazards and more prepared for their impacts.
Making your home safer for natural hazards
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
Ways to make your rental home safer
Natural hazards where you live
Know what hazards could affect the area you live in
Ways to protect your investment
Useful information to help you prepare
Insurance, reports and legal advice ›
Sometimes the list of things to think about when buying a home can seem overwhelming. But as this may be one of the biggest purchases you’ll ever make, it’s important to be well informed before putting in an offer.
Your new home is likely to be your most valuable asset. To protect it against damage or loss caused by natural disasters you need to purchase private insurance for your home that includes fire insurance (most policies do).This will give you automatic cover from Toka Tū Ake EQC (EQCover) for your home and land (within limits).
Your insurance has more information about EQCover, what to check with your private insurance, and how to work out what a rebuild might cost.
It’s a good idea to get a builder’s report (also called property inspections, pre-purchase inspections or building surveys) before purchasing a property from an accredited property inspector.
An accredited property inspector will assess the home, or particular features of the home, and prepare a report for you. Make sure you know what they will include in their inspection and ask for a sample report so you know what to expect. Check that they’ll consider how chimneys, foundations and retaining walls might perform or be affected by a natural disaster. Ask them to comment on the maintenance of the home.
You can learn more about researching a property on the Real Estate Authority’s Settled website.(external link)
Local councils provide Land Information Memorandum (LIM) reports – usually for a fee. A LIM report will have historical and current information that the local council has on a property, including:
You can ask your lawyer to explain any important issues or potential problems that might arise from the LIM report. LIM reports can take a few days to receive - check with the council for current turnaround times.
Your lawyer can help with obtaining and reviewing any relevant information about a property. Make sure you understand the scope of the advice they will provide so that you are clear about the work your lawyer will do for you, and which aspects you need to look after.
The Natural Hazards Portal shows settled EQCover claims from 1997 onwards on residential buildings and land throughout Aotearoa New Zealand.
Find out whether there has been a previous EQCover claim on the property you’re interested in. (external link)