Tātaitai Sum-Insured Kawenga
Whakatauria te uara whakakapinga o te kawenga whare.
Mō tēnei tātaitai
Ka whakatinanahia e tēnei tātaitai te tikanga uara whakakapinga kawenga mai i Sum Insured Pty Ltd / Vero. Tirohia whakamutunga 18 Haratua 2026. Whakamanahia ngā tatauranga mā te whai i te hononga.
Ngā paerewa uara kawenga
Raraunga 2026- •Studio / 1-rūma: $18k-28k tūāpapa
- •2-rūma: $40k-50k tūāpapa
- •3-rūma: $60k-75k tūāpapa
- •4-rūma: $78k-95k tūāpapa
- •Tepe ia mea: $2,500 noa
- •Arotake ā-tau: I muri o ngā hokona nui
Whakatūpato
He whakatau tata nō tēnei tātaitai, hei whakamōhio noa iho. Kaua e whakawhirinaki ki ēnei hua hei tohutohu pūtea, tāke, ture rānei. E ai ki ngā raraunga tūmatanui a te IRD, ā, ka huri pea. Me kōrero ki tētahi kaitohutohu pūtea tohu mō ōu āhuatanga ake.
Me pēhea te whakatau uara kawenga
Tūāpapa ki te rahi me te kounga + ngā mea motuhake.
- 1
Tūāpapa kawenga
Tūāpapa = uara_rūma × whakareatanga
Kounga: 0.8-1.7.
- 2
Tāpiri mea motuhake
Motuhake = whakapaipai + hangarau + toi + paihikara
Mea >$2,500 hiahia hononga.
- 3
Tapeke
Tapeke = tūāpapa + motuhake
Tepe ia mea $2,500.
Tauira
Tāuru: 2-rūma + $13k motuhake
Hua: Tapeke $55k.
Ngā Pātai Auau
He pēhea te sum-insured kawenga tika i NZ?
Me whai inihua kawenga taku?
Ka whakatau tēnei tātaitai i te uara whakakapi katoa o ngā kawenga o tō kāinga mō te inihua kawenga o Aotearoa, mā te hono i te uara tūāpapa (te rahi me te kounga o te kāinga) ki ngā taonga uara-nui kua tohua, pērā i ngā whakakai, ngā toi, me ngā paihikara hiko.
Me pēhea te mahi a tēnei tātaitai
He iti rawa te whakaaro o te nuinga ki te utu whakakapi hōu o ā rātou taonga katoa — koirā tonu tā te inihua kawenga e utu ai. Ka tīmata te tātaitai i te uara tūāpapa e ai ki te maha o ngā rūma moe (tōna $18-28k mō te whare rūma-kotahi, tae atu ki te $78-95k mō te whare whānau whā-rūma), ka whakareatia ki te kounga: taketake ×0.8, arowhānui ×1.0, waenga ×1.25, taonga nui ×1.7. Ka tāpirihia ngā taonga kua tohua. Ko te tepe taonga-takitahi o te nuinga o ngā kaupapa here o Aotearoa tōna $2,500 — me rārangi motuhake ngā taonga e nui ake ana te uara, pērā i te mōwhiti mārena, te kete kāmera, ngā toi, te paihikara hiko rānei, kei kapi noa rātou ki te tepe. Arotakehia tō uara inihua i muri i ngā hokonga nui, ā, ia whakahōunga hoki, i te mea ka piki ngā utu whakakapi me te pikinga utu.
Ngā uara whakakapi kawenga o Aotearoa
| Whare iti / 1 rūma moe | $18,000 - $28,000 tūāpapa |
| 2 rūma moe | $40,000 - $50,000 tūāpapa |
| Whare whānau 3 rūma | $60,000 - $75,000 tūāpapa |
| 4 rūma moe | $78,000 - $95,000 tūāpapa |
| Tepe taonga-takitahi | ~$2,500 |
| Ngā whakarea kounga | taketake ×0.8 · arowhānui ×1.0 · waenga ×1.25 · taonga ×1.7 |
Ngā paearu mai i a Consumer NZ; whakaūngia ki tō kaiinihua.
Ngā Tauira Mahia
Whare 2-rūma, whakapaipai arowhānui, $8,000 whakakai me te $5,000 taputapu hiko kua tohua
Uara inihua e tūtohua ana ≈ $55,000.
- Tūāpapa mō te whare 2-rūma arowhānui: ≈ $42,000
- Ngā taonga kua tohua: $8,000 + $5,000 = $13,000
- Uara inihua: $42,000 + $13,000 = $55,000
Whare whānau 3-rūma, arowhānui, $4,000 paihikara hiko me te $3,500 toi kua tohua
Uara inihua e tūtohua ana ≈ $72,500.
- Tūāpapa mō te whare 3-rūma: ≈ $65,000
- Ngā taonga kua tohua: $4,000 + $3,500 = $7,500 (kei runga tahi i te tepe $2,500)
- Uara inihua: $65,000 + $7,500 = $72,500
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
Arotakehia whakamutunga: