Domestic Insurance - your home, your stuff, your peace of mind

Home, contents, motor, boat, caravan, landlord, holiday home, travel and valuables cover - arranged by a Bream Bay broker who knows coastal property in One Tree Point, Marsden Cove, Tutukaka Coast, Bay of Islands and across wider Northland.

High priority for Bream Bay & One Tree Point

Domestic Insurance

Your home and everything in it deserve cover that actually fits your life - especially on the coast, where wind, salt and storm surge change the risk picture. KIS arranges the full range of domestic insurance for households across Bream Bay, One Tree Point, Marsden Cove, the Tutukaka Coast, the Bay of Islands and wider Northland, from home and contents to private motor, boat, caravan, landlord, holiday home, travel and personal valuables. As a local broker, we know the peculiarities of coastal property and make sure your policies reflect them.

Home & contents

Building and contents cover tailored to your property and belongings.

Private motor vehicles

Comprehensive, third-party fire & theft, and third-party cover.

Boat & watercraft

Domestic boat cover alongside your home and motor policies.

Caravan & motorhome

Cover for your caravan, motorhome or self-contained vehicle.

Landlord & holiday home

Rental and holiday home cover including loss of rent and liability.

Travel & valuables

Travel insurance and cover for personal valuables and special items.

Coastal property insurance, done properly

Living in One Tree Point, Marsden Cove or anywhere along Bream Bay means your home faces coastal exposures that a generic policy may not handle well - storm surge, sea-spray corrosion, and wind-driven rain among them. KIS takes the time to understand your property's location and construction, and arranges cover that responds the way you'd expect after a weather event. We're local, so we know what 'coastal' really means here. Coastal property insurance in Bream Bay isn't just about the dwelling - it's about understanding how close you are to the water, the age and materials of your build, your proximity to sea level, and the natural disaster extensions that genuinely matter for your site. A policy written for an inland home can quietly exclude the very exposures most likely to affect a coastal property. We make sure yours doesn't, and we review it over time so your sums insured keep pace with rebuilding costs and the value of your contents.

Tutukaka Coast, Bay of Islands and wider Northland

KIS arranges domestic insurance well beyond Bream Bay. Along the Tutukaka Coast - from Ngunguru and Matapouri through to Tutukaka itself - properties face their own mix of coastal exposure, winding access roads and, in places, limited fire-service response, all of which affect how cover should be written. Further north, the Bay of Islands brings a blend of permanent homes, holiday houses and waterfront properties around Paihia, Russell, Kerikeri and Opua, each with different risk profiles. Across wider Northland, from the east-coast beaches to the Hokianga and the far north, we help households structure home, contents, motor and boat cover that genuinely fits where they live. Because we're based in the region and know Northland's coast intimately, we can place cover that a distant call centre wouldn't think to question - the right natural disaster extensions, the right sums insured for remote rebuilds, and the right approach to properties that sit close to the water. Wherever you are in Northland, you're dealing with a local broker who understands the coast you live on.

One policy doesn't fit all

Bundling home, contents, motor and boat with one insurer can save money - but only if the cover is right. We compare options across insurers, explain the trade-offs, and help you decide whether a package or separate policies suit you better. The goal is the right cover at a fair premium, not just a convenient one. Domestic insurance in One Tree Point and Marsden Cove often involves a mix of assets - the home, the contents, the boat at the marina, the caravan, the vehicles - and the best structure depends on your circumstances. Sometimes a multi-policy discount genuinely wins; sometimes separate specialist policies give better cover for less. We do the comparison and show you the difference in plain English, so you can decide with confidence. And because we're independent, we're not incentivised to push one insurer's package over another - we work for you.

Landlord and holiday home cover

If you own a rental or a holiday home in Northland, you need cover that accounts for tenants, vacancy periods and short-stay use. We arrange landlord insurance with loss of rent, malicious damage and liability extensions, plus holiday home cover that flexes around how often the property is occupied. Landlord insurance Northland investors rely on needs to reflect the realities of tenancy - tenant damage, loss of rent during a dispute or rebuild, and liability for injuries on the property. For holiday homes, the picture is different again: properties that sit empty for stretches, are used by family and friends, or are listed for short-stay rental each carry distinct risks. We structure cover that fits how the property is actually used, so you're not paying for cover you don't need or left exposed where you do. It's the kind of tailored advice a local broker is built to give.

Explore our other services

Marine Insurance Blue-Water & Launch Insurance Commercial Insurance Rural Insurance Prestige Vehicles Life & Health Insurance Liability & Risk

Where we provide this cover

Based in Bream Bay, servicing all of Northland and nationwide for marine and commercial clients.

Bream Bay / One Tree Point / Marsden Cove Whangārei Northland Kerikeri Kaitaia Rest of New Zealand

Ready to keep your insurance simple?

Get a free, no-obligation consultation with Tim - your local Northland broker.

022 323 9125