New Zealand Property Investors' Federation

The NZPIF is the umbrella body for 17 local Property Investors' Associations throughout New Zealand.

(027) 357 9243

The NZ Property Investors' Federation has conducted extensive research on insurance products to find the best option for rental property requirements at a great price. As a result, we have selected initio as our insurance partner. Initio consistently outperforms other house insurers on price, coverage and claims responsiveness.


As a NZPIF member, you receive the following benefits:

  • Discounted House Insurance Premium
  • Inspections required only every four months (rather than three)



  • Rental Property Insurance Designed for Landlords: Initio offers tailored insurance to cover rental property risk.

  • Backed by Giants: All policies are underwritten by IAG (AA), the owner of AMI, NZI, and State Insurance, among others.

  • Replacement Cover for your Dwelling: New for old cover up to the sum insured.

  • Easier, Faster, Smarter Insurance: Initio focuses on plain English insurance, fast quotes, and easy-to-manage claims with technology to pay claims fast and easy to follow the progress of a claim with live updates.


  • Digital by default, support when you need it: Its technology backed by real people and no call centres. These people know landlords.


  • Landlord-Specific Benefits:
    • $25,000 Malicious Damage Cover,
    • Loss of Rent (following Loss) with your choice of $20,000, $40,000 or $80,000 of rents cover,
    • Contents Cover - for Landlord's contents and chattels, automatically included for $20,000 with options to increase to $40,000 or $60,000
    • Meth Contamination with $30,000 of clean-up cover and additional loss of rent.
    • Landlords Liability Cover is also included, protecting you as a landlord with $2,000,000 of cover.


Initio is New Zealand's first instant online home insurer, established in 2010 by two New Zealanders who wanted to provide upfront home insurance quotes without the need to ask irrelevant questions.


Initio focuses on technology to assess risk, and with only a property address, customers can obtain instant insurance quotes and arrange insurance policies within minutes. Since its formation, Initio has grown to insure thousands of homes for NZPIF members throughout New Zealand



Initio's team is considered a go-to source of insurance-related news and knowledge, with recent articles covering various topics related to insurance including:

Initio, unlike other insurers, also publishes comprehensive reports and guides, including:


Get a quote here and compare it to your current insurance provider. Or obtain personal advice here