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
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
Ways to protect your investment
Natural hazards where you live
Know what hazards could affect the area you live in
Useful information to help you prepare
These changes respond to increased residential repair costs and supports continued access to natural hazard insurance for homeowners in Aotearoa New Zealand.
There are no changes to EQCover limits for residential land.
The information on this page is also available in the EQCover Building Cap and Premium (Levy) Change [PDF, 302 KB] factsheet, and some Frequently Asked Questions (FAQs) are also below.
EQCover building cap changes and timingThe maximum amount of EQCover available for your home will increase from $150,000 + GST to $300,000 + GST after 1 October 2022. This is known as the EQCover building cap.
The EQCover building cap will change for you when either:
Before then, the current EQCover building cap will remain $150,000 + GST for your home, if you have an existing policy.
Your EQCover premium (levy) will change alongside the changes to your EQCover building cap to 16c per $100 of the EQCover amount, up to a maximum of $480 ($552 incl. GST).
Prior to this, your EQCover premium remains 20c per $100 of the EQCover amount, up to a maximum of $300 ($345 incl. GST).
An excess applies to EQCover residential building claims is the maximum excess is calculated at 1% of the maximum amount payable, including GST. Your EQCover excess (per dwelling) is a minimum of $200 (incl. GST) and will be a maximum of $3,450 incl. GST after the change and remain a maximum of $1,725 incl. GST before the change.
This table outlines the EQCover building cap that will likely apply. Subject to certain conditions, EQCover claims can be lodged up to two years after the date of natural disaster damage with your private insurer.
$150,000 + GST
(before first anniversary date of policy)
$300,000 + GST
(after first anniversary date of policy)
Your anniversary date is the anniversary of the start of the period of cover under your insurance policy.
If your insurance policy has renewed previously, your anniversary date is the anniversary of the start of the cover under your first policy in the series of renewals.
Your anniversary date and renewal date may be different. This could be because:
EQCover claims for events prior to 1 October 2022 retain the relevant EQCover cap for their policy at the time of natural disaster damage.
The EQCover building cap that applies to an EQCover claim depends on when the damage it relates to occurred. This means the maximum EQCover building cap is:
For claims that relate to damage on or after 1 October 2022, refer to the table under What EQCover building cap applies section above.
Toka Tū Ake EQC is here to support you and answer any questions around these changes, as is your private insurer, who can answer questions about your insurance policy (e.g. anniversary date).
Here are some resources that may be helpful:
Alternatively, call us on 0800 DAMAGE (0800 326 243) or email Toka Tū Ake EQC at firstname.lastname@example.org