If you are up to date you'd know that nearly every insurer will/have stopped insuring full rebuild of your property, instead you will have to decide on an "agreed value" amount to insure your property for. If your property needs to be repaired or rebuilt in the unlikely event of a disaster or accident (eg fire) and your sum falls short, bad luck.
If you didn't know this already, well, aren't you in for a shock!
with that in mind, i suppose can I ask which insurance company people insure their property with? And how they rate it?
Is NZI or Tower any good? vs AMI which used to be good but are now under new ownership?
What about rental property?