You have natural hazards cover if you have a home insurance policy that includes fire insurance (and most do). The premium you pay your insurer includes a Natural Hazards Insurance levy (NHI levy), which gives you access to this natural hazards insurance.
If your property is damaged by a natural disaster, Natural Hazards Commission Toka Tū Ake (formerly EQC) can provide the first layer of insurance for your home and cover for some of your residential land. It’s important to understand what is and isn’t covered by them, and also by your insurer.
Find out how to make a claim, what's covered and how much you're covered for at the Toka Tū Ake website.