Mortgage insurance

Protecting your family home.

Mortgage insurance covers your home loan payments if you lose your job or income, ensuring that you don't lose your house while you get back on your feet.

A mortgage protection policy protects your home and financial security in times of financial difficulty. It helps maintain your credit rating, and can also cover other mortgage-related expenses. With customisable options and additional benefits such as job search support, mortgage protection insurance is a cost-effective way to prevent defaulting on your home loan.


A simple and affordable way to protect your biggest family asset
Covers your mortgage payments if you lose your income
Enables you to keep your good credit rating
Know that your family's financial future is secure

Frequently asked questions

Are the benefits from mortgage protection insurance taxed?

Typically, the benefits from a mortgage protection Insurance policy are not taxed as income, ensuring you receive the full amount to support your mortgage repayments. Consult with a tax professional for detailed advice.

Does mortgage protection insurance cover job redundancy?

Some policies offer coverage for involuntary redundancy, providing peace of mind during uncertain economic times. Always check your policy terms for specific details.

Can I get mortgage protection insurance if I have pre-existing medical conditions?

It can depend on the specific policy and insurer. Some insurers might exclude certain conditions, require a waiting period, or adjust premiums based on these conditions. Always remember to tell us your full medical history when applying. At NZ Insurances, we are on your side, aiming to secure you the best possible coverage. Your full disclosure helps us represent your interests effectively and ensures we can navigate the complexities of insurance on your behalf to get the best results.

Is mortgage protection insurance mandatory when purchasing a home?

Mortgage protection insurance is not mandatory when purchasing a home, but it can provide essential financial security. It ensures your mortgage repayments continue if you're unable to work due to illness, injury, or redundancy.

Does mortgage protection insurance cover the entire mortgage amount?

It typically covers your mortgage repayments for a specified period or until you're able to return to work. The coverage does not usually extend to the entire mortgage amount, but it provides crucial support during challenging times.

What is mortgage protection Insurance?

Mortgage protection insurance is a policy that pays out a sum to cover your mortgage repayments if you're unable to work due to illness, injury, or redundancy.

Are you fully covered?

Take a closer look at these insurance policies. Get in touch for a free quote to make sure you have comprehensive coverage for your lifestyle and budget.

Our dedicated team

We’ll seek out the best policy and package for your circumstances, no matter who the provider is, and we’ll bat for you if you need to make a claim.
Our knowledgeable insurance advisers are dedicated to keeping Kiwi families’ income and investments safe and secure through quality insurance.
Get covered today

Are you prepared?

Our insurance advisers help you choose an insurance package, then get you the best coverage for the best prices. Book a free consultation today.
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