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Specialist Lifestyle Block Insurance

Compare up to 20+ Insurers

Get a personalised quote for your lifestyle property, outbuildings, and farm vehicles. All in one place.

  • Specialist lifestyle & rural brokers
  • Compare options from up to 20+ insurers
  • House, outbuildings, and vehicles covered
  • Free, no-obligation quotes
Takes under 3 minutes • No spam, ever
Beautiful New Zealand lifestyle block property
User
4.9/5 ★

"Professional, reliable and knowledgeable. "

4.9/5 Rating
IBANZ Member
FSP Registered
We compare options from NZ's leading insurers:
QBE Vero AIG FMG NZI Ando UAA + more

Why Lifestyle Block Owners Choose Us

We're specialist in rural properties, ensuring you get the right cover without the hassle.

LIFESTYLE BLOCK SPECIALISTS

We're not brokers trying to fit your property into a standard box. We understand the unique needs of lifestyle blocks, from outbuilding to farm vehicles that aren't covered under standard policies.

ONE QUOTE, UPTO 20 INSURERS

Instead of calling around or filling out multiple forms, we search our entire panel to find the right cover at the right price. You get options, not a single take-it-or-leave-it quote.

EVERYTHING IN ONE PLACE

House, outbuildings, contents, farm vehicles, and road vehicles – we can cover it all under one relationship. One broker, one renewal date, one point of contact.

REAL PEOPLE, REAL ADVICE

You'll talk to actual NZ-based brokers who can explain your options in plain English. No call centres, no runaround.

Kiwi family on their lifestyle block
"Absolutely love these guys.... As a new business owner I have found Gerrards Brokers amazingly easy and helpful to deal with. Prompt responses from the initial quote to the finish and every time I needed assistance in between. Thankyou and a Merry Xmas to your team and all the best in future - Thanks Michal"
— Michal Kelly-Jarvis

How It Works

Get your lifestyle block insurance sorted in 3 simple steps

1. TELL US ABOUT YOUR PROPERTY

Answer a few quick questions about your lifestyle block and what you need covered.

Takes under 3 minutes.

2. WE COMPARE OPTIONS

We search upto 20+ insurers to find the best options for your specific situation.

We do the legwork.

3. YOU CHOOSE

Pick the cover that's right for you. No pressure, no obligation.

We handle all the paperwork.

What Our Clients Say

Based on 300+ Google Reviews

"It was great dealing with Gerrards Insurance Brokers. They were very responsive and even helped provide quotations on a tight turn around time. Happy to recommend them to others looking for home insurance. "

Viliamu Powell

"Fantastic communication and easy to deal with. Saved me a lot of money and was very diligent to make sure we are comparing apples with apples. "

Janis Birch

"We had to get public liability cover at short notice. I filled in our requirements online and Reuben had everything sorted the next day. Super impressed with Reuben's service and we are very happy with the Gerrards experience. Highly recommended."

Debbie Taylor
1800+
Happy Clients Insured
4.9/5
Client rating

Common Questions

Everything you need to know about insuring your lifestyle block.

Lifestyle block insurance is designed for smaller rural properties (typically under 20 hectares) that aren't operating as commercial farms. Farm insurance is for working farms with significant agricultural income. If you're earning over $60,000/year from your property, you might need farm or commercial cover instead – but don't worry, we can help with that too.
Usually not. Farm vehicles like tractors, quad bikes, ride-on mowers, and UTVs typically need separate cover. They're not covered under standard motor vehicle policies, and they're often not covered under house insurance either. That's why we ask about these specifically – it's one of the most common coverage gaps we see on lifestyle blocks.
The online form takes under 3 minutes. Once submitted, we'll compare options across our insurer panel and get back to you within 1 business day with personalised quotes. For straightforward properties, we can often turn quotes around same-day.
No obligation at all. We'll present your options and explain the differences, but the decision is always yours. No pressure, no hard sell.
Yes, but it's important to tell us about it. Income from your property (grazing, Airbnb, farm stays, etc.) can affect how insurers classify your property and what cover you need. We'll make sure you're properly covered for your situation.
We work with a wide panel of insurers, including some that specialise in non-standard risks. We can often find options for people who've had difficulty getting cover elsewhere. Just answer the questions honestly in the form, and we'll find the right solution for your situation.

Ready to Protect Your Business the Right Way?

Get expert advice and compare 20+ insurers in one simple quote.

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