Owning a Holiday Home means you’re a little different.  That’s why you need an insurance policy that provides good cover when you’re not there or when someone else is using it.

At Initio we understand that your holiday home could be advertised online, and that on occasion you may have paying guests staying. Or perhaps your holiday home is only used by your friends and family. When you insure with Initio we give you the choice, so you get the right cover for the right price.

Holiday homes are often left vacant for extended periods, we know this and we make sure that the cover continues regardless of when the property was last occupied.  We also know that your holiday home is furnished and that some of your personal items may remain at the property, and this is why we provide you with a range of contents insurance options.

Get Quote
Customer Rating Read all 32 reviews

Here are some of the great features of the cover:

Description of Cover Limit of Cover Excess
Full replacement Holiday Home Cover up to Sum Insured Your Sum Insured Your Choice of $400 / $650 / $1,150 / $2,000
Major Malicious Damage by Guest (Fire & Explosion) Your Sum Insured Greater of $500 or Your Chosen Excess
Deliberate Damage by Guest $25,000 Greater of $500 or Your Chosen Excess
Loss of Rents Cover (following property damage) $20,000 – $80,000 Nil
Owners / Landlords Contents
Options for present day & replacement value cover
$20,000 – $220,000 Your Chosen Excess
Hidden Gradual Damage Cover $3,000 Your Chosen Excess
Owners Legal Liability Cover $2,000,000 Your Chosen Excess
Unoccupancy exceeding 60 days Your sum insured $5,000 or $2,000 with intruder alarm**
Full Earthquake Cover Your sum insured $5,000

** Where your property is a Holiday Home or Bach  your chosen excess will apply if the property is kept in a tidy condition, all external doors and windows are securely locked, all papers and mail are collected regularly, and the home is under regular supervision.
IMPORTANT This is a summary of the policy only. Please refer to the policy wording for full details of cover.

Initio allows you to buy insurance online and enjoy some of the best policy coverage and claims service available for Holiday Home owners.

Endorsed & recommended by Bookabach

Get a Holiday Home quote


(square meters)
(Living area & attached garaging in square meters)
(Decking & detached garaging in square meters)

This figure is automatically generated based on the size of your property – it is not intended to accurately reflect the rebuild cost. You need to establish your Sum Insured, you may wish to use a valuer or an online calculator.
Means a traditional residential rental property.
Mean a multiple residential units or flats under the same roof.
Means a holiday home or your own home that you intend on using personally but is also rented out to short term tenants. Your own possessions are kept at the home.
Means a traditional holiday home or bach that you use personally. You may also let the property to friends and family.
Means a property that has been setup purely as a commercial enterprise for short term tenancies. You do not intend on using this property personally. If you do intend on using this property personally select "holiday home that's also rented out"
Means your own personal property which you live in

How likely are our customers to recommend initio?

Ability to offer cover tailormade for my situation – rural holidayhome

By Ian,

Simple process, excellent pricing. No hassles.

By Alan,
By Duncan,
By Robert,

Efficient and easy process to insure, with clear and concise detail requirements and cover provisions. Also made in reliance on the claims process (which we hope never to have to use) being similarly efficient and straightforward, with personal Initio attention and availability as required.

By Jennifer,


By Ross,

Easy and cost effective

By Dennis and Barbara,

Because it is designed specifically for holiday homes.

By Tanya,

Cheap and easy to use.

By Samuel,

Courteous Service and cover designed for and recommended by Book a Batch

By Kelvin & Kathlene,

I am in Paris on Holiday, and this was easy….

By Barry,

All good but no option to pay monthly

By Peter,

No problems so far during our only claim

By Bill,

I was not told that a 3 month period closes for EQC claims. It would have been helpful to know this as we have just found some damage under our house that was a result fo the KaiKoura quake in Nov 2016. We never go under our house but saw this last week due to the council wanting to put in some water drains by our home. Hence we saw the damage under there.

By Dian,

My limited dealings have been exemplary.

By Gregory,
By Ian,

Seems like good service and value.

By Elenor,

Easy to deal with . Clear options available at policy renewal

By laurie,

I would prefer to pay in quarterly payments

By Paul,
By Malcolm,

easy to navigate website

By Roger,

quick and easy

By Sheri & Phil,

Initio is quick and easy to use and there is always someone there to talk to

By Sharon,
By Heidi,

Value for money

By Kevin,
By Giles,

Ease of service / Looking after homes that are rented sometimes / good reminders / good support.
Thank you

By Carol,

Hassle free – I hope claims, if any, are this easy!!

By Janine,

The process is so easy to renew and pay. I haven’t had to lodge a claim but I am hoping that it will be as easy if the need every arises.

By James & Gloria,

Easy to deal with and comfortable with explanations as to policy wording particularly as a holiday rental can be tricky to define.

By Marian,

Ease to take out policy. If I had a claim I would be able to assess whether a 5 star warranted

By Cecilia,

I was amazed how quickly the claim was settled. Very good service.

By Martin,