FMG Home Insurance

FMG is a renowned insurer that offers a wide range of award-winning products to cater to the diverse needs of homeowners.

They specialise in serving home and landowners in rural areas, leveraging their expertise in this specific domain.

Your trusted partner in rural insurance: FMG understands your needs

Rural homeowners often face distinct risks, such as the vulnerability of agricultural infrastructure, the impact of natural disasters and the complexities of land ownership.

FMG's expertise in this domain enables them to develop insurance products and services that effectively mitigate these risks. Their commitment to knowing the rural landscape and the needs of their customers makes them the best choice for homeowners in rural areas.

Community support in action: Partnerships with industry organisations

FMG demonstrates its commitment to local communities and the agriculture industry through a variety of sponsorships, events and initiatives. They regularly offer sponsorship support for local, industry and community events by providing merchandise, financial contributions and participation.

The company annually grants scholarships to two promising agriculture students, assisting them in pursuing their careers in the field.

This demonstrates their continued commitment to nurturing and supporting the future of agriculture in New Zealand. They host competitions such as FMG Region-off and Young Farmer of the Year demonstrating their community involvement and dedication to nurturing talent in agriculture. 

Placing emphasis not only on home insurance coverage but also on the well-being of farmers and growers through initiatives such as Farmstrong, which promotes overall well-being and self-care.

Partnering with organisations like Federated Farmers, Farmlands, Ruralco and Irrigation NZ that share their dedication to supporting farmers and growers. Their unwavering commitment to the rural sector is evident through their initiatives, partnerships and support. 

Award-winning excellence: Perfect scores and 5-star ratings

FMG places a high value on feedback from its clients and takes great pride in the recognition it receives through comparison awards. They recently regained the Canstar Customer Satisfaction Award for home, contents and car insurance, which serves as a testament to their unwavering commitment to customer service. They were the only insurer to receive a prestigious 5-star rating for customer satisfaction.

They also received the Consumer NZ People's Choice Award for five consecutive years, as a mutual insurer they prioritise the interests of their over 70,000 rural members. Boasting over 115 years of experience they understand rural hazards and provide specialised advice, products and support to rural communities.

These accomplishments reinforce their dedication to providing exceptional service and ensuring that their customer's needs and expectations are not only met but exceeded.

They understand the importance of building strong relationships with their clients and continuously strive to improve and enhance their services based on client feedback. This commitment to customer satisfaction sets them apart in the insurance industry and solidifies their reputation as a trusted and reliable provider

Your home is more than just a building, it's filled with memories and cherished belongings.

FMG offer comprehensive policies designed to protect what matters most to you. You can have peace of mind knowing that your house, its contents and additional structures are covered in case of unexpected events or accidents.

Unexpected damage: Don't worry about the costs, they've got you covered

They offer valuable additional features that can prove to be useful. If you lose your house keys, they’ll cover the cost to replace them, without any excess payment required.

They cover gradual damage because they recognise sometimes damage occurs over time, like concealed harm resulting from a leaking internal waste or water pipe. They include coverage for such damages, allowing you to claim up to $5,000 for necessary repairs and restoration.

Retaining walls are an important aspect of many properties, there's cover of up to $50,000 to repair or replace the walls, whether it's due to a natural disaster or other covered events.

They provide automatic coverage to replace or reconstruct septic tanks that haven't been damaged, while also covering the expenses for reconnecting them following a claim. This feature guarantees the continued functionality and protection of your rural property.

Legal liability is automatically covered meaning that if you accidentally cause damage to someone else's property or cause injury to another person while on your property, you are covered for the resulting costs or legal expenses.

Cover for damage caused by natural disasters

They provide cover for damage caused by natural disasters, recognising that such events are beyond your control and should not burden you financially. If your house is already covered by the Earthquake Commission, any difference between their cover and your policy cover will be compensated.

This ensures that you have comprehensive protection in place, mitigating the financial impact of natural disasters and offering you peace of mind during challenging times. With this additional coverage, you can focus on recovering and rebuilding, knowing that your home insurance policy has your back when it comes to handling the aftermath of a natural disaster.

Elevate your protection with optional benefits

When it comes to protecting your home and its contents, their home insurance options provide comprehensive coverage, tailored to rural residential risks and backed by their expertise in the industry.

You can have the peace of mind you deserve, knowing that your home and everything you hold dear are well-protected.FMG understands that your house and belongings are more than just items to be insured.

You have the option to enhance your home insurance cover by adding benefits to your policy. These include cover for glass, bathroom fixtures, flooring, block fencing and pumps. This will give you the ability to restore your home’s aesthetics and comfort completely.