Javascript is required to enable full functionality of this website.

House Insurance

House Insurance Application Guide

As part of your MAS House Insurance application, we will ask you about your house’s build quality, slope of land, retaining walls, fencing, and paving. This page will help you to determine which category your house falls into for the various criteria. 

It is important that you select the relevant category (of build quality, slope, retaining walls, fencing and paving) that most accurately reflects your property, as your selection will have an impact on both the cover under your policy and the premium you pay. 

You should therefore consider the options below carefully before selecting the appropriate category for your cover. If you need advice or assistance in selecting the right category, please call 0800 800 627 or email us at info@mas.co.nz

There are three categories for build quality; Standard, Quality and Prestige. Please use the following guidelines to determine the quality of the fixtures and fittings within your property. 

Standard Build

  • Standard design for the time it was built
  • Simple steel door handles, locks etc
  • Laminated kitchen benchtops and cupboard doors
  • Simple architraves and skirtings on interior walls
  • Basic appliances and tapware
  • Plain ceilings and cornices
  • Framed shower screens or over bath shower only
  • Simple ceramic tiling
  • Basic aluminium windows 
  • Simple electrical features
  • Flush faced doors without skirtings
 

outside standard

Quality Build

  • Architectural designer or custom builder design
  • Feature doors
  • Granite of laminated timber kitchen benchtops
  • European door furniture
  • Vinyl or polyurethane kitchen cupboard doors
  • Larger architraves and skirtings
  • European appliances and tapware
  • Decorative ceilings and cornices
  • Semi framed or frameless shower screens
  • Some porcelain tiling (floor to ceiling)
  • Timber or quality aluminium windows
  • Good standard of electrical facilities and fittings
  • Some double glazing
  • Underfloor heating in bathroom areas

exterior quality

Prestige Build

  • Architectural design
  • Custom-made doors
  • Special design features such as curved walls or speciality staircase
  • European door furniture
  • Granite kitchen bench tops
  • Decorative ceilings and cornices
  • Polyurethane or solid timber kitchen cupboard doors
  • Underfloor heating
  • European appliances and tapware
  • stone tiling (floor to ceiling)
  • Frameless shower screens
  • Extensive electrical facilities
  • Timber or improved aluminium windows
  • Double glazing

exterior prestige

Percentage of ground floor covered

50

Understanding the slope of the land

As part of your application, you'll need to give us an indication of the slope of your land. 

Your house will fall into one of three categories: Flat/Gentle (less than 10 degrees), Moderate (10 to 25 degrees) or Steep (25 degrees or more).

To determine the slope of your property - where the property has been excavated and the house is on the flat piece of land which, if not excavated, would be sloping - imagine an invisible line from the highest point on the property to the lowest point, and then select either Moderate or Steep based on the angle of this line. If considering a large property, think of the area within about 20 metres of the house in any direction. 

Flat/Gentle (less than 10 degrees)

Slope

Moderate (10 to 25 degrees)

moderate

Steep (25 degrees or more)

Steep

Retaining walls

When selecting one of the retaining wall options, us the following as a guide:

  • Minimal: Choose this option if the total quantity of your retaining walls is up to approximately 10m². For example, this could be a 20m long x 0.5 high wall, or a 10m long x 1m high wall. It could also be multiple sections/walls on the property making up the total.
  • Average: Choose this option if the total quantity of your retaining walls is up to approximately 20m². For example, this could be a 20m long x 1m high wall or a 40m long x 0.5m high wall.
  • Extensive: Choose this option if the total quantity of your retaining walls is up to approximately 40m². For example, this could be a 20m long x 2m high wall or a 10m long x 2m high wall plus a 20m long x 1m high wall.

If your property has retaining walls totalling greater than 40m², please call us on 0800 800 627 to discuss your insurance options.

Fencing

When selecting one of the fencing options, use the following as a guide:

  • Minimal: Select this option if your property has perimeter fencing around a small block of land of approximately 500m² or less.
  • Average:Select this option if your property has perimeter fencing around a medium block of land of approximately 500m² to 750m².
  • Extensive: Select this option if your property has perimeter fencing around a small block of land of approximately 750m² to 1000m².

If your property is larger than 1000m², please call us on 0800 800 627 or email info@mas.co.nz to discuss your insurance options.

Paving

When selecting one of the paving options, use the following as a guide:

  • Minimal: Select this option if your property has paving less than 25m².
  • Average: Select this option if your property has paving between 25m² and 50m².
  • Extensive: Select this option if your property has paving between  50m² and 100m².

If your property has paving greater than 100m², please call us on 0800 800 627, or email info@mas.co.nz to discuss your insurance options.

Further information

For further information on our House insurance policy, download our House insurance policy wording or visit our House Insurance page. Please contact us on 0800 800 627, or email info@mas.co.nz if you would like to discuss your insurance options with one of our advisers. 

MAS is a Qualifying Financial Entity (QFE) under the Financial Advisers Act 2008. A copy of our QFE Disclosure Statement is available here.