We provide natural hazards insurance cover to help you rebuild or repair your home if its damaged by a natural disaster.
We’re on a mission to reduce the impact of natural hazards on people and property in Aotearoa New Zealand. Our resilience vision is that natural hazards resilience becomes embedded in all aspects of decision-making for our homes, towns and cities.
Ways to make your home stronger and safer in the event of a natural disaster.
NHC Toka Tū Ake is a NZ Crown entity investing in natural disaster research, education and providing insurance to residential property owners.
About natural hazards cover
Insurance for your home and some of your land.
Storm, flood, and landslide damage
We can contribute to the cost of cleaning up your land.
Our partnership with insurers
We partner with most insurers to simplify your claims process.
Claims
Navigate the claims process, request claim information.
Section notices
Section notices on a property title can affect cover and claims.
Canterbury earthquakes
Canterbury earthquake claims and On-sold support package.
Making urgent repairs
Make your home safe, sanitary and secure after an event.
Complaints and disputes
Make a complaint, dispute a claim decision, understand your rights.
About our Resilience function
Using evidence to inform how and where we build in New Zealand
Research
Projects on the go
Data and modelling
Major data and loss modelling projects
Risk reduction
How we work to reduce risk and build resilience
Public education on natural hazards
Creating an Aotearoa New Zealand that is better informed about our natural hazards and more prepared for their impacts.
Homeowners
Making your home safer for natural hazards
Buying a home
Make educated choices when deciding where to live.
Building and renovating
Make your investment last
Apartments and shared property
What to think about and how to prepare
Tenants
Ways to make your rental home safer
Natural hazards where you live
Know what hazards could affect the area you live in
Landlords
Ways to protect your investment
Resources
Useful information to help you prepare
Our role
We exist to reduce the impact on people and property when natural hazard events occur.
Our story
New Zealand has a history of natural hazard events that has shaped our organisation’s history, and our name.
Our people
Get to know our Minister, Board of Commissioners, and Executive Leadership team.
How we work
At NHC Toka Tū Ake we have rules, policies, and ways of working that guide what we do.
We can't predict natural disasters, but we can prepare for them. One of the best places to start is with your home.
Here are some things every home buyer should think about.
Read more about ways you can make your home stronger and safer.
What to think about and how to prepare.
Learn more on how to make your rental property safer and more secure.
Know what natural hazards could affect the area you live in.
Useful information to help you prepare.
