From floods and cyclones to power outages and insurance claims, this page brings together our trusted guidance on your rights, your cover and the practical steps that can make a tough situation a little easier.
Get prepared
A bit of planning now can save a lot of stress later. These guides help you get your household ready – without panic-buying or overdoing it.
How prepared is your household for a natural disaster?
Insurance & NHCover (Toka Tū Ake)
Insurance is often where things get messy after a disaster. These articles break down what house, contents and NHCover actually cover, how claims work, and how to avoid nasty surprises.
House and contents insurance buying guide
Is it worth getting contents insurance if you rent?
Home and contents insurance: How to make a claim
NHCover: What natural disaster cover is included in house insurance?
Natural disaster insurance: what's covered for land affected by a flood or storm?
8 ways to save on insurance
Emergency kits & grab bags
Emergency kits are big business after a scare – but you don’t need to spend a fortune. Here’s what’s genuinely useful, what you can easily make yourself, and which ready-made grab bags are worth considering.
How to make your own emergency grab bag
Your rights after a natural disaster
When something goes wrong, knowing your rights matters. This section explains where you stand with landlords, insurers, electricity providers and accommodation bookings after a disaster.
