300x164 Sgua Logo found on top of the website
Submit a Claim

Comprehensive Holiday Property Insurance

Specialised products to cover your investment or holiday property for a full range of defined events and unexpected circumstances.

Having holiday property insurance is essential for protecting your investment from various risks. Renting out your property on platforms like Airbnb or Stayz exposes it to numerous potential issues, including accidental damage, theft and liability claims. Without proper insurance, these incidents can lead to significant financial losses and stress.

Holiday rental insurance ensures that your property is covered against these unforeseen events, providing financial security and peace of mind. It helps you recover from damages quickly and efficiently, minimising disruption to your rental income. Additionally, it covers liability claims, protecting you from legal expenses if a guest is injured on your property.

Investing in holiday property insurance also enhances the appeal of your rental. Potential guests are more likely to book a property that they know is well-protected and maintained. This can lead to higher occupancy rates and better reviews, further boosting your rental income.

An image of a resort on the side of a beach with a little swimming pool and a modern rest house

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

Holiday Property Insurance Products

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 let out by the room).

Our holiday property insurance products are designed to cover all aspects of short-term rentals, providing you with the peace of mind that your property is protected. These policies cover incidents such as accidental damage caused by guests, theft, natural disasters and liability claims. Whether it's a minor repair or a major loss, our insurance ensures you are not left to handle these expenses on your own.

Our policies are flexible and can be tailored to match the specific needs of your property. Whether you rent out a cosy cottage or a luxurious villa, SGUA has an insurance solution that fits. We understand the unique challenges of managing a holiday rental and are committed to providing coverage that effectively addresses those challenges.

By choosing SGUA’s holiday rental insurance, you can focus on maximising the potential of your rental property, knowing that you are well-protected against the unexpected.

 

An image of a sala of a moddern aesthetic house

Contents Cover

Product: Standard Holiday Cover

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

An image of a big house with trees on the side of a clean swimming pool

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.

An image of a big house with trees on the side of a clean swimming pool

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 our Products

Unsure of which insurance policy is for you? We offer options for varying benefits and cover. The information presented below contains a brief description of each of our policy covers and the circumstances under which they may be appropriate.

This is designed to help you decide which insurance product cover will meet your specific needs and helps you compare between policies. Expand each section to read more about the product feature for easy comparison.

Secure your holiday properties with SGUA

If you have questions about our comprehensive holiday property insurance or need assistance in choosing the right policy, please reach out to us. Our team of experts is ready to provide you with detailed information and guidance to ensure you find the perfect coverage for your holiday rental property. Whether you're looking for protection against unexpected events or specific risks associated with short-term rentals, we have the solutions you need.

Our holiday property insurance is designed to offer extensive coverage for properties that are listed on platforms like Airbnb and Stayz. We understand the unique challenges faced by holiday rental owners, and our policies are tailored to address these concerns. With SGUA, you can feel confident that your investment is protected.

Additionally, if you're looking for other types of insurance products, we offer a wide range of options to meet various needs. From landlord insurance to coverage for different property types, we have comprehensive solutions designed to safeguard your investments.

Don't hesitate to contact us for more information about our holiday rental insurance in Australia. Our dedicated team is here to answer your questions and help you navigate the insurance landscape with ease.

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.

 

Read More
chevron-downarrow-left