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Protection for a rainy day

Stumped at how you could meet your commitments if you hit one of life’s judder bars? Insurance protects you from unexpected life events whether its property damage, income loss, the death of a loved one or illness.

Protection for a rainy day

Stumped at how you could meet your commitments if you hit one of life’s judder bars? Insurance protects you from unexpected life events whether its property damage, income loss, the death of a loved one or illness. 

Why use an Insurance Adviser?

Having a dedicated adviser allows you to:

  • Easily discuss policy intricacies and make informed decisions.
  • Receive personalised assistance with policy changes and claims.
  • Benefit from expert guidance tailored to your specific needs.
  • Have an advocate supporting your needs
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Recognised as a Top Advice Provider 2024 for our exceptional customer service and policy support to clients.

Our Insurance team can help with a variety of different cover to suit your age and stage:

Life Insurance
Life insurance is designed to offer financial protection and peace of mind, helping loved ones cover expenses like funeral costs, debts, and living expenses if the worst was to happen to you.

Often provides a lump sum payment if you are diagnosed with a serious illness or medical condition, such as cancer, heart attack or stroke. This financial support can help cover medical expenses, living costs, or any other financial obligations during recovery. Unlike life insurance, trauma insurance pays out while the insured is still alive, offering a safety net during a challenging time.

Income protection insurance provides financial support to the insuredperson to cover essential living expensessuch as rent or mortgage, bills, and daily needs if they were unable to work due to illness or injury. This type of insurance ensures that individuals can maintain their standard of living while they recover and return to work.
This policy is designed to help ensure that mortgage payments are made in the event of the borrower’s death, disability, or critical illness. It generally provides a lump sum payment to the lender or directly to the policyholder to cover outstanding mortgage debt helping homeowners and their families from losing their home due to financial difficulties caused by unforeseen circumstances.
Disability insurance provides financial support to individuals who are unable to work due to a disabling injury or illness. It typically pays a portion of the insured’s income, helping to cover living expenses and maintain financial stability during the period of disability. There two types – short and long term insurance.
Health insurance is a type of coverage that can pay for medical expenses, including doctor visits, hospital stays, surgeries, and preventive care depending on the policy type you have.
Health insurance is a type of coverage that can pay for medical expenses, including doctor visits, hospital stays, surgeries, and preventive care depending on the policy type you have.
This policy protects against losses related to property and vehicles:
  • House Insurance covers damage to the physical structure of a home due to events like fire, theft, or natural disasters.
  • Car Insurance protects against damages and liabilities related to vehicles, including accidents, theft, and bodily injury.
  • Contents Insurance covers personal belongings within the home, such as furniture and electronics, against risks like theft or damage.
Landlord protection insurance is a specialized insurance policy designed to protect property owners who rent out their properties. Learn why this is so important when investing in property below.
Business insurance is a type of coverage that protects companies from various risks and financial losses such as General Liability, Property, Workers Compensation and claims against negligence or mistakes.

The stats might surprise you! Did you know, Trauma Cover isn't just for old people, and Income Protection means you can maintain the lifestyle you love.

*Data is based on Chubb Life claims paid in 2023. Source: Advice Channel insights
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Do you own an Investment Property or are you currently in the market for one?

It’s really important to get the right cover if you purchase an investment and become a landlord. Here are some of the reasons why:

Correct Sum Insured

  • Rebuilding Costs: Ensure you
    have the correct sum insured by assessing the current cost to rebuild your property in the event of total loss. This includes fixtures and fittings.
  • Contents vs. Rebuild Costs: Remember, contents cover includes
    items that can be removed, while
    the sum insured should account for
    everything that remains fixed.

Landlord Coverage

  • Landlord Cover: Beyond standard home insurance, landlord cover provides essential protections, including:
    • Eviction of tenants
    • Absconding tenants
    • Utility failures
    • Malicious damage
    • Liability cover
  • Loss of Rent: Different providers offer varying lengths of coverage for loss of rent, so it’s crucial to review policy wordings carefully.

Excess Levels

  • Impact on Premiums: Excess levels influence your premium costs. Be aware that additional excesses may apply to tenanted properties, and separate excesses can apply per event.

Natural Disasters

  • Cover Eligibility: Assess whether you can obtain insurance if the property is in a flood-prone area or has previously experienced natural disaster damage.

Properties Built
Pre-1945

  • Wiring and Coverage: Understand the
    specific requirements for properties built before 1945, including the necessity of an electrical certificate for coverage.

We work with the following trusted NZ Insurance Providers to recommend and find the best cover to meet your financial and lifestyle requirements.

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Insurance FAQ's:

Properli are Financial and Property Investment Advisers that enable you to unlock the potential of property ownership to secure a better financial future. Properli Advisers offer tailored support and advice to get you started on your journey to property ownership. We simplify the process by removing the jargon and the heavy lifting with the banks and all the paperwork enabling you to get a clear picture of all options available to you. We also assist you in selecting the appropriate insurance policy based on your age and income.

Insurance is one of those intangible things that you don’t see the worthiness of, until you have to use it. Insurance protects you in an unforeseen event, such as loss of income, loss or damage of contents, loss or damage to a house, or loss of life. All insurance should be underwritten, which takes into account your family or medical history. This makes sure your claim is paid out correctly, and you’re all covered!

Your house is a huge investment! Your lender will require you to have house insurance in place for settlement.

We believe in free-will here, but we also believe in making sure our clients (you) get the best possible deal. Insurance advisers go in to bat for you to get you the best deal within your budget, and you don’t have to call an 0800 number, sitting on long wait times. Insurance brokers/advisers are experts in their fields, so you will receive personalised advice and a full understanding on how things get done.

Experienced and award winning Insurance team

With over 17 years in Financial Services and a decade focused on Insurance, Rowena brings deep expertise and a genuine passion for helping Kiwis protect what matters most. Qualified with a Level 5 Certificate in Financial Services (Life & Health), Rowena says: “Your biggest asset isn’t your home — it’s you. Protect your income and health to keep everything else secure.”

Jocelyn is a former Financial Adviser with
experience working in Insurance and Mortgages,
Private Wealth Manager and Personal Banking.
She has a Bachelor of Management Majoring in
Accounting, a Master’s Degree in Finance and
L5 Certificate in Financial Services for Lending,
Insurance and Investment. She supports Lucy with quotes, servicing and general updates.

Give us a call today
(09) 361 0050

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