| Premium rating - Young couple |  |
|---|---|
| Premium rating - Family of two | |
| Premium rating - Family of four | |
| Premium rating - Retired couple | |
| Policy cover |  |
Policy
| Company/Policy name | Lantern Insurance Echelon Home and Contents |
|---|---|
| Credit rating | AA- (Very Strong) Standard and Poor's |
| Contact number | 0800 800 800 |
| Website | www.lanterninsurance.co.nz |
| Online quote available |  |
| Notes | Lantern Insurance is underwritten by IAG New Zealand |
Excesses
| Standard excess - contents ($) | 250 |
|---|---|
| Standard excess - house ($) | 250 |
Contents cover (2 ticks = replacement, 1 tick = indemnity)
| Audiotapes, CDs, videotapes, DVDs, portable music players |  |
|---|---|
| Bicycles | Up to $2000 |
| Blinds/curtains | |
| Books | |
| Cameras | Up to $3000 |
| Camping equipment | |
| Carpets and floor coverings | |
| Cash | Up to $1000 |
| Computers | |
| Computer software | |
| Credit card | Up to $500 |
| Dentures | |
| Frozen food | |
| Furniture | |
| Hearing aids | |
| Home appliances | |
| Linen | |
| Jewellery | Up to $3000 and $15,000 per event |
| Keys and locks | Up to $1000 |
| Mobile phones | |
| Professional equipment / work tools kept at home | Up to $10,000 |
| Spectacles | |
| Sports equipment | |
| Temporary accommodation | Up to $20,000 or 12 months |
| Tertiary student away from home in student hostel | Up to $5000 |
| Video games | |
| Watches | Up to $3000 per item |
| Watercraft and / or outboard motors | Up to $2000 |
Contents exclusions
| Cleaning damage | Included - depends on item |
|---|---|
| Sports equipment in use | Included |
House cover (2 ticks = replacement, 1 tick = indemnity)
| Retaining walls | |
|---|---|
| Hedges/shrubs | Up to $2500 |
| Gradual deterioration | Up to $3000 |
Additional cover
| Personal liability | Up to $1 million |
|---|
Guide to the table
We've provided policy detail and premium summary information for each of our consumer profiles requiring both house and contents insurance. See Consumer profiles for more information.
For a comparison of contents-only policies, see Contents-only policies compared.
Policies
The house policies are based on open-ended replacement cover.
2 ticks = replacement cover; 1 tick = indemnity cover.
Note:
- AMP, NZI, Lumley and Vero were excluded as they are sold through brokers or other brands rather than directly to the public.
- FMG and Medical Assurance were excluded as they are only available to people in certain geographical locations or professions.
- HSBC and Ansvar declined to take part in our survey.
Click on the question mark symbols beside the headings for more information.
