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Custom Insurance for Holiday Property

Build a customised holiday property insurance policy with SGUA. We put the power in your hands to provide a custom holiday property insurance policy that meets the needs of your clients. Opt to include loss of rent and damage by tenants in your client’s policy for added peace of mind. 

SGUA provides custom holiday property insurance specialised products to cover your investment or holiday property for a full range of defined events and unexpected circumstances. Explore the custom holiday property insurance options we offer and get in touch with us today for a quote.

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Is your property a full time rental? View our Landlord Property Insurance options here →

Customised Holiday Property Insurance Products

Your client’s holiday property is unique, which means cookie-cutter insurance policies just won’t do. Our flexible custom holiday property insurance policies are designed to address the coverage needs of your clients, ensuring they’re always protected during life’s most unforeseen moments.


For those who rent out their holiday homes, custom holiday property insurance is crucial to protect your client’s income stream. If the property becomes damaged or uninhabitable, rental income can be significantly impacted. Plus, unlike primary residences, holiday homes are often unoccupied for long periods, increasing the risk of burglary, damage and sudden maintenance issues.


SGUA’s range of insurance policies offer broad and comprehensive protection for a full range of defined events and unexpected circumstances. This insurance is ideal for properties let out on Airbnb and Stayz (excluding those let out by the room), such as residential properties, apartments, villas, cottages, townhouses and more.

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Contents Cover

Product: Standard Holiday Cover

Covering a range of property types including villas, cottages, houses and inner city apartments.

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Building and Contents Cover

Product: Custom Holiday Cover

Cover for holiday homes that need protection for the either property. This option combines building, contents & tenant covers into one policy. This cover also includes legal liability up to $20 million.

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Customised Cover

Add these optional products to your Building and/or Contents Holiday Insurance Products

These additional covers include Loss of Rent and Damage by Tenants.

Compare The Custom Holiday Property Insurance Products We Provide

Unsure of which insurance policy is for you? SGUA makes it easy to find the right custom holiday property insurance policy for your clients. We help you compare coverage options with just a few simple clicks. 

We offer options for varying benefits and cover in an easy-to-read format and aim to keep things as clear as possible to support your client in making an informed decision. The information presented below contains a brief description of each event or scenario that our policy covers and the circumstances under which they may be appropriate. You’ll be able to compare everything from natural disasters, such as fires, floods and storms to loss of rent, tenant damage and more. 

This is designed to help you decide which insurance product cover will meet your cleint’s specific needs and helps you compare between policies. Expand each section to read more about the product feature for easy comparison. Once you’ve sourced the right custom holiday property insurance solution for your client, feel free to get in touch with SGUA for a tailored quote or use our online client portal to get started.

SGUA — high-value and comprehensive custom holiday property insurance

For over 30 years, SGUA has been a trusted insurance provider, specialising in offering comprehensive insurance solutions to brokers and comparing policies on behalf of their clients. We understand the risks associated with owning these types of properties and provide tailored coverage to safeguard investments against unforeseen events. 

The policies we provide offer peace of mind, ensuring your client's properties and incomes are well-protected. We strive to maintain positive and long-lasting relationships with the brokers we work with, providing streamlined solutions that help them accomplish business promptly and efficiently. To learn more about the customised holiday property insurance policies we distribute or to request a quote, please contact us today.

Cover Type
Holiday Unit Cover
Customised Cover
Value Plus
Value Plus

Fire, Explosion or Lightning
Not available
Up to the Sum Insured for your Building
Earthquake, Named Cyclone, tsunami or Volcanic Eruption
Not available
Up to the Sum Insured for your Building
Theft or attempted theft
Not available
Up to the Sum Insured for your Building
Bursting Leaking Discharging or overflowing
Not available
Up to the Sum Insured for your Building
Glass Breakage
Not available
Up to the Sum Insured for your Building
Malicious Damage by Third Party
Not available
Up to the Sum Insured for your Building
Flood (unless specifically excluded)
Not available
Up to the Sum Insured for your Building
Storm
Not available
Up to the Sum Insured for your Building
Impact Damage
Not available
Up to the Sum Insured for your Building
Riot or civil Commotion
Not available
Up to the Sum Insured for your Building
Electric Motor Burnout
Not available
Motor replacement up to 15 years of age
Accidental Damage by Third Party
Not available
Up to the Sum Insured for your Building
Landscaping
Not available
Up to $500 per tree, shrub or plant, maximum $2,000 per claim
Emergency Service Damages
Not available
Up to $5,000
Mortgage Discharge
Not available
Up to $5,000
Tax Audit Fees
Not available
Up to $5,000

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover).

Excess Waiver for Total Loss
Not available
Nominated excess showing on your schedule
Cover Type
Holiday Unit Cover
Customised Cover
Value Plus
Value Plus

Fire, Explosion or Lightning
Up to $60k
Up to the Sum Insured for your Contents
Earthquake, Named Cyclone, tsunami or Volcanic Eruption
Up to $60k
Up to the Sum Insured for your Contents
Theft or attempted theft
Up to $60k
Up to the Sum Insured for your Contents
Bursting, Leaking, Discharging or overflowing
Up to $60k
Up to the Sum Insured for your Contents
Glass Breakage
Up to $60k
Up to the Sum Insured for your Contents
Malicious Damage by Third Party
Up to $60k
Up to the Sum Insured for your Contents
Flood (unless specifically excluded)
Up to $60k
Up to the Sum Insured for your Contents
Storm
Up to $60k
Up to the Sum Insured for your Contents
Impact Damage
Up to $60k
Up to the Sum Insured for your Contents
Riot or civil Commotion
Up to $60k
Up to the Sum Insured for your Contents
Electric Motor Burnout
Motor Replacement up to 15 years of age
Motor Replacement up to 15 years of age
Accidental Damage by Third Party
Up to $60k
Up to the Sum Insured for your Contents
Contents in Open Air
Up to $5,000 for theft claims
10% of the Sum Insured for Contents all other claims
Up to $5,000 for theft claims
10% of the Sum Insured for Contents all other claims
Oil Leakage from Heater
Up to $60k
Up to the Sum Insured for your Contents
Tax Audit
Up to $5,000

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover).

Up to $5,000

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover).

Excess Waiver for Total Loss
Nominated excess showing on your schedule
Nominated excess showing on your schedule
Contents in Storage units / cages
Up to $2000
Up to $2000
Cover Type
Holiday Unit Cover
Customised Cover
Value Plus
Value Plus

Legal liability to pay for personal injury or Property Damage in connection with your ownership of your Building and/ or Contents
Up to $20 million.

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover this is a combined limit under Building and Contents)

Up to $20 million.

(This is the total limit of your Policy regardless of whether you have Building cover, Contents cover, or both Building and Contents cover this is a combined limit under Building and Contents)

Cover Type
Holiday Unit Cover
Customised Cover
Value Plus
Value Plus

Loss of rent by Defined Event
Up to 52 weeks, maximum $50,000
Up to 52 weeks, up to a maximum of the Sum Insured for Loss of Rent as shown on your Certificate of Insurance
Prevention of Access
No cover available
Up to 52 weeks, up to a maximum of the Sum Insured for Loss of Rent as shown on your Certificate of Insurance
Loss of Rent following Tenant Damage
Up to 52 weeks, maximum $50,000
Up to 52 weeks, up to a maximum of the Sum Insured for Loss of Rent as shown on your Certificate of Insurance
Loss of Rent following Murder / Suicide
Up to 52 weeks, maximum $50,000
Up to 52 weeks, up to a maximum of $50,000
Untenantable due to Death of a Tenant
Up to 12 weeks, maximum $11,538
Up to 12 weeks, up to a maximum of the Sum Insured for Loss of Rent as shown on your Certificate of Insurance
Failure to Vacate
Up to 26 weeks, maximum $25,000
Up to 26 weeks, up to a maximum of $25,000
Cover Type
Holiday Unit Cover
Customised Cover
Value Plus
Value Plus

Deliberate Damage by Tenants
Up to $60,000
Up to the Sum Insured for your Building
Up to $60,000 for your Contents
Accidental Damage by tenants
Up to $60,000
Up to the Sum insured for your building,
Up to $60,000 for your Contents
Damage by Pets
Up to $5,000
Up to $5,000
Theft by Tenant
Up to $60,000
Up to the Sum Insured for your Building,
Up to $60,000 for your Contents
Garbage removal
Up to $500
Up to $500

For full details on what's covered per product, please read our Product Disclosure Statements.

 

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