20 Aug 2025

Homeowner confusion over natural disaster insurance cover

From Nine To Noon, 9:20 am on 20 August 2025

A recent survey shows 56 percent of insured New Zealand homeowners would expect full insurance compensation for natural hazard damage to their land.

However, should the worst happen, they could be disappointed.

This is because the Natural Hazards Commission Toka Tū Ake (NHC) our national natural hazards insurance scheme, offers partial coverage for land damage, not full protection.

The survey results have prompted NHC to remind homeowners about what and what isn't covered. 

NHC chief executive Tina Mitchell joins Susie Ferguson.     

Rawinia Anderson has mixed feelings to her yellow-stickered family home.

Photo: RNZ / Robin Martin