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.
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.
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How likely are our customers to recommend initio?
Ability to offer cover tailormade for my situation – rural holidayhome
Simple process, excellent pricing. No hassles.
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.
easy
Easy and cost effective
Because it is designed specifically for holiday homes.
Cheap and easy to use.
Courteous Service and cover designed for and recommended by Book a Batch
I am in Paris on Holiday, and this was easy….
All good but no option to pay monthly
No problems so far during our only claim
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.
My limited dealings have been exemplary.
Seems like good service and value.
Easy to deal with . Clear options available at policy renewal
I would prefer to pay in quarterly payments
easy to navigate website
quick and easy
Initio is quick and easy to use and there is always someone there to talk to
Value for money
Ease of service / Looking after homes that are rented sometimes / good reminders / good support.
Thank you
Hassle free – I hope claims, if any, are this easy!!
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.
Easy to deal with and comfortable with explanations as to policy wording particularly as a holiday rental can be tricky to define.
Ease to take out policy. If I had a claim I would be able to assess whether a 5 star warranted
I was amazed how quickly the claim was settled. Very good service.