Why choose MAS House Insurance?

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Consumer NZ People's Choice

With market-leading products, commission-free advice and a reputation for paying claims, our Members have voted us People’s Choice insurer seven years running.

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Area Replacement

With our area replacement insurance you can rebuild your home in the event of a natural disaster based on its size and quality, rather than an amount you have to keep working out. Underwriting terms and conditions apply.

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We're a Kiwi business owned by you

We’re a 100-year-old mutual so when you insure your house with MAS, you become one of our Members and owners. And our profits help fund the MAS Foundation, not overseas shareholders.

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Protect your most valuable asset.

MAS House Insurance offers a wide range of benefits to help ensure you never have to worry about the roof over your head. Whether it’s your own house, holiday home, rental or lifestyle property we have cover options we can tailor to you.

Choose your cover type:

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Area Replacement

Where your house is damaged by a covered event e.g. a natural disaster, we'll pay the reasonable cost for a full repair. And if your property is a total loss, we'll pay the reasonable costs to rebuild your house in its entirety. Have a look at our Area Replacement Fact Sheet.

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Agreed Value

Much like our Area Replacement cover, your house will be covered if damaged by a covered event e.g. a natural disaster. The only difference? Our liability will be limited to no more than the sum insured recorded in the policy schedule.

Protecting more than just your home:


This webpage is intended as an information guide only and does not form part of the policy document or any contract with MAS. This webpage does not consider your specific financial situation, needs or goals. You can find out more about financial advice at MAS here. Normal underwriting criteria apply for all insurance products. Special conditions and/or excesses may apply to the situations that meets your specific needs.