General insurance is about protecting the things you’ve worked hard for. Whether it’s your home, your contents, your vehicles or your travels, we arrange cover that’s easy to understand and sized to your budget. We handle the comparisons, the paperwork and the fine print on your behalf, so you get the right protection and real peace of mind.
Home, contents, vehicles and travel. Open each to see what the right cover looks like.
For most of us, the house is the biggest thing we will ever own. The right policy rebuilds your home if disaster strikes, contributes to temporary accommodation while you do, and picks up the smaller surprises like broken windows, garden damage and retaining walls. We help you set a sum insured based on real rebuild costs rather than the market price, and we make sure you know exactly how natural hazard cover fits in.
If your belongings are damaged, lost or stolen, contents insurance replaces them at the value that is right for you. Comprehensive policies replace items new-for-old at today’s prices, while budget-friendly options pay market value in exchange for lower premiums. We also make sure valuables like jewellery, art and bikes are specified properly, and check whether your things are covered once they leave the house.
From third party on the runabout to comprehensive cover on your pride and joy. A cheap car can still do expensive damage, so third party is the smart minimum, while comprehensive also protects your own vehicle against collision, fire and theft. We will talk you through agreed value versus market value, uninsured motorist extensions and the right cover for every car, ute and motorbike in the driveway.
Overseas there is no ACC and no free hospital care, and a medical emergency can run into the hundreds of thousands once repatriation is involved. Good travel cover also looks after lost luggage, cancellations and missed connections. We help you declare pre-existing conditions properly and check the policy covers what you actually plan to do, so it sticks when you need it.
We work out what your home, contents and vehicles are really worth, so you’re not under-insured when it matters or paying for cover you don’t need. For your house, that means insuring for the true rebuild cost rather than the market price.
Every insurer has different strengths, and the cheapest premium isn’t always the best value. We compare New Zealand’s leading fire and general insurers and match you with the provider whose policy wording actually suits your situation.
We work for you, not the insurance company. You’ll get transparent, straight-up guidance from qualified advisers, and we’re upfront about how we’re paid.
One insurer may offer better terms than another. We negotiate premiums, excesses and policy terms on your behalf to get you the strongest cover at the best possible price.
As life changes, whether it’s a new car, a renovation or a growing family, your cover should keep up. Your adviser will review your policies regularly so they stay fit for purpose and you’re not caught short.
We hope you never need to claim, but if the worst happens you won’t be left arguing with a call centre. Your adviser is the first person you call. We manage the claim with the insurer on your behalf and advocate for the outcome you’re entitled to.
Step 1
1
Discovery Session
We talk with you to understand what you own, what matters most, and the protection you're looking for.
Step 3
3
Insurance selection
We present your cover options side by side and help you make the right choice.
Step 5
5
Policy placement
We'll work with the insurer to finalise your terms, sums insured and any special conditions on your cover.
Step 2
2
Go to market
We go to market to find the best insurer for your home, contents, vehicles or travel plans.
Step 4
4
Application
We gather the details and submit your application to your chosen insurer, with none of the paperwork headaches.
Step 6
6
Regular reviews
We'll review your cover regularly to ensure it stays fit for purpose and right for you.
Simply fill out your details below, and we’ll be in touch. From there, you can expect:
1. A Lighthouse team member will reach out to talk through your fire and general insurance needs.
2. You’ll be matched with a specialist who best understands your situation.
3. With their guidance, you’ll take the next steps toward securing the right cover for you.
Have a question? You’ll find answers to some of the most common things our clients ask us about fire and general insurance. If you need more detail, we’re always happy to chat.
It’s the umbrella term for insurance that protects the things you own, like your house, contents, vehicles and travel. Personal insurance, on the other hand, covers your life, health and income.
We compare multiple insurers, know the policy wording inside out, and advocate for you at claim time. You’ll often pay a similar premium to going direct, but with better-matched cover and someone in your corner.
House insurance is based on what it would cost to rebuild your home, not what it would sell for. We help you set an accurate sum insured so you’re not left short after a major event.
Third party covers damage you cause to other people’s vehicles and property. It’s a smart minimum even for a low-value car, because one collision with an expensive vehicle could be financially crippling. Comprehensive also covers your own car, including fire, theft and even lost or stolen keys (pricier to replace than you’d think).
If you carry third-party-only cover, an uninsured motorist extension protects you from being left out of pocket, or losing your no-claims bonus, when the other driver has no insurance. We’ll tell you whether it’s worth adding.
Comprehensive contents policies replace items new-for-old at today’s prices, while budget-friendly policies pay market value, which allows for depreciation. The right choice depends on how much your contents are worth and your circumstances, and we’ll talk it through with you.
Yes. Overseas medical care isn’t free like it is in New Zealand, and hospital bills or medical repatriation can run into the hundreds of thousands. Good travel cover is vital no matter where you’re going or for how long.
In most cases our advice costs you nothing. We’re paid a commission by the insurer when your policy is placed, and we’re always upfront about that before you commit to anything.
From day one, our focus has been on helping Kiwis feel confident about their money — and with 200+ five-star reviews, we’re proud to be doing just that.
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
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