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EQCover

EQC’s insurance is called EQCover, and provides natural disaster insurance for residential homes, land and contents.

You automatically have EQCover:

  • for your home and land if you have a current private insurance policy for your home that includes fire insurance (and most do)
  • for your contents if you have a current private insurance policy for your contents that includes fire insurance (and most do).

Our How we’re settling claims page explains how we’re working with private insurers to settle Kaikoura claims.   

Home

Your building is generally insured up to a maximum of $100,000 +GST and is covered on a replacement value basis.

Read more on our buildings page

Contents

Your 'contents' means 'personal property' that is usually in your home. Contents are generally insured up to a maximum of $20,000 +GST on a replacement value basis.

The cover includes contents that are temporarily removed from your home.

Read more on our contents page

Land damage

EQC covers the land that the house sits on, as well as land within eight metres of the house. Land within 60 metres of the house that is part of, or supports the main access to the house from the boundary is also covered. 

Find out more about land and what we cover here

EQC also provides cover for:

Bridges and culverts that are situated within 8 metres of the house, or on land within 60 metres of the house that is part of or supports the main access way; and

Retaining walls and their support systems that are necessary for the support or protection of the house or insured land (including main access way) if they are within 60 metres of the house.

See our Factsheet on land structures PDF (288KB) to find out what EQC covers.

Sometimes natural disasters cause damage which can lead to further damage in the future. For example, after a landslip, further land may fall from the slip area over time. Damage resulting from a natural disaster that EQC considers will occur in the year following the event is called “imminent damage”.

See our Factsheet on imminent damage PDF (278KB) to find out what it is and what we cover.

Land assessment and settlement

Once you’ve lodged your claim with the Earthquake Commission (EQC) or your insurance company, an EQC assessor will inspect the land damage to your property. Depending on the type and extent of land damage, further technical experts such as geotechnical engineers or valuers may be required to help EQC assess your damage and determine your claim settlement.

See our Factsheet on the land assessment process PDF (280KB) to find out more about happens after you’ve had your land assessment done.

EQC land cover is usually capped at the dollar value of insured land that has been (or will imminently be) lost or damaged as a direct result of the natural disaster.

See our Factsheet on settling land claims PDF (306 KB) to find out more about what EQCover pays for and various examples of how EQC calculates settlements for land damage.

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