Check if a property can be insured before you commit
Understand whether a property can be insured — and identify any insurance risks that could impact your decision — before you commit.
Why this matters
Buying a property is one of the biggest financial decisions you’ll make — and understanding insurance is a critical part of assessing risk.
Not all properties are equal when it comes to insurability. Some may be more difficult to insure, require additional conditions, or have higher premiums due to location or exposure to risk.
It’s especially important to check this before going to auction, as purchases made at auction are unconditional — meaning you’re expected to have completed your due diligence, including confirming the property can be insured.
In other cases, you may only be able to withdraw from a sale and purchase agreement for insurance reasons if this has been specifically included as a condition.
Understanding this early helps you make informed decisions, avoid unexpected issues, and move forward with confidence.
What we help with
Movinghub makes it easier to meet your lender's insurance requirements by guiding you through the process and connecting you with trusted insurance specialists who can:
Assess whether a property is likely to be insurable
01
Identify key risks (such as flood or earthquake exposure)
02
Provide an indication of potential premiums and considerations
03
This gives you the insight you need before deciding whether to proceed.
How it works
Enter the property address
Tell us which property you’re considering
Answer a few quick questions
Takes less than a minute
We assess the property
Using trusted insurance providers
Receive your results
We’ll email you an indication of insurability and potential premiums
Check a Property Now
Quick, simple and no obligation
Who We Work With
Initio is a New Zealand insurance platform offering fast and simple online insurance quotes, with policies backed by AA-rated insurer IAG New Zealand. Initio has been recognised for its innovative technology and customer experience, helping make insurance easier for New Zealanders.
Disclosure Movinghub facilitates referrals and does not provide financial advice. Insurance advice and policy placement are provided by licensed providers. Commission may be received.