So anyone who insures their home or other residential building, such as a rental property, against fire can access EQC cover in the event of a natural disaster because the levies that they pay to the insurance company are then passed on to EQC and into the Natural Disaster Fund. It's this point—which Duncan Webb also made—that because EQC is taking that first loss with the private insurers picking up the balance, it makes insurance against natural disasters much more affordable in New Zealand Aotearoa and much more certain than overseas, where people are often having to rely on their Government after a natural disaster to provide funding, support, and assistance. Because it's much more affordable, the insurance cover is that much more widespread here.