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.

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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

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(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 such as Cordell.
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