An online-only home insurer with an office listing in Islington, Christchurch, Initio sells property insurance to homeowners and landlords across New Zealand. Its products cover a standard house and contents, an own home that is sometimes or partly rented to short-stay guests, landlord and rental property cover, holiday homes and bachs, multi-unit blocks of flats, and house flips. Quotes are instant and need no personal contact details, and buying takes minutes online. Combining home and contents insurance means only one excess applies if something happens to both. The company is underwritten by IAG New Zealand Limited, and it says it was named the fastest growing services business in the 2025 Deloitte Fast 50 for the Central North Island.
Customers rate the service well, and the website says a 4.8 average review score is shown on its pages. Policy confirmations go to the inbox and a personal dashboard shows the policies. The company says its aim is to pay claims quickly and to cut out the unnecessary steps in a claim.