You worry about Insurance rise and in our case AMI will not insure the house at all because of high risk, our house is on the hill, Aro Valley, Wellington :)
AA Insurance seems to be writing in welly still - tried them?
Is the Kaikoura earthquake embargo still in place after nearly two years? It must be a nightmare for people buying houses, especially new builds!
Earlier this year I went to arrange contents insurance with BNZ and the embargo meant that they had to get special approval to offer more than $10k of coverage.