Lifestyle Blocks
Insurance designed for the unique needs of lifestyle block living
Life in Central Otago is shaped by the land - rugged hills, sweeping plains, and the hard work of those who farm, grow, and live rurally. At C&R Brokers, we understand that rural life comes with unique risks and responsibilities. That’s why we offer tailored rural insurance solutions to protect what matters most. Rural insurance is a specialised form of coverage designed for those who live and work on the land. Our team is ready to go beyond standard property or vehicle insurance by addressing your specific needs. Whether you manage a high-country station, a vineyard, or a lifestyle block, rural insurance helps safeguard your livelihood against the unexpected.
Lifestyle blocks combine rural living with personal property, often including dwellings, sheds, fencing, livestock, and hobby farming equipment. Lifestyle block insurance protects these assets against risks such as fire, theft, storms, accidental damage, and natural disasters. Cover can also extend to liability protection if visitors are injured on your property, or if your activities cause damage to neighbouring land. Together, these protections ensure lifestyle block owners can recover financially from unexpected events while continuing to enjoy the benefits of rural living.
Secure tailored lifestyle block insurance that reflects how you choose to live on the land.
What it is and why you might need it
Lifestyle block insurance is an important safeguard for financial security, offering protection for your home, land, assets, and day‑to‑day rural activities. Because coverage limits, exclusions, and excesses vary between insurers, it’s essential to review the fine print carefully to ensure your policy genuinely reflects how you live.
Most lifestyle block policies require:
Accurate asset records, including buildings, equipment, and livestock.
Regular property maintenance, such as fencing, driveways, and outbuildings.
Appropriate safety measures, including fire protection, secure storage, and animal‑handling precautions.
Our brokers work with trusted rural insurers to tailor policies to your property and lifestyle, ensuring your cover aligns with the way you choose to live.
Life on a lifestyle block offers unique rewards, whether you’re raising a family, enjoying space away from the city, or embracing a quieter rural rhythm. We understand how special your property is - and we also recognise the challenges that come with rural living. Every lifestyle block is different, and your insurance should reflect that.
Typical protection can include:
Homes, outbuildings, and structures, including sheds, barns, and workshops.
Fencing and boundary infrastructure, essential for managing animals and property access.
Tools, equipment, and small‑scale machinery used for maintaining your land.
Livestock and pets, depending on the policy and level of cover selected.
Liability protection, covering accidental damage or injury involving visitors, neighbours, or animals.
Example scenario:
A severe storm damages fencing and an outbuilding, leaving livestock unsecured and the property exposed. Lifestyle block insurance covers repair and replacement costs, ensuring both the property and animals remain protected without placing unexpected financial strain on the owner.
At C&R Brokers, we care about how our clients are protected, and we’re here to ensure your rural lifestyle is safeguarded with confidence.
Here’s how we help
We listen first. We take the time to understand your business model, your goals, and your pain points.
We tailor your cover. From retail to trades to tourism, we build policies that reflect your actual risks — not generic templates.
We advocate for you. If you need to make a claim, we’re right there with you — helping you navigate the process and get fair outcomes.
We stay connected. As your business evolves, we’re here to review and adjust your cover so it keeps pace with your growth.