Where does the insurance cover me? You are covered while navigating inland waters, and coastal waters up to the range specified offshore in the insurance policy, most policies cover up to 200 nautical miles offshore. If you boat is trailered it is also covered whilst being towed by a registered vehicle and whilst being launched off and whilst being retrieved onto your trailer. ​ Boat & Water-Skiing insurance You have the choice to include cover for Boat & Water-Skiing insurance. This includes cover for Knee boarding, Wakeboarding & Tubing on marine sporting equipment that meets Australian Standards. (Not Tyre tubes) ​ It is important to include this optional Boat & Water Ski insurance if you do or may do any of these activities to ensure you are covered if someone gets injured, seriously disabled or the activity caused their accidental death. Can you insure a Jet Ski? ​ Yes we can help with Jet Ski Insurance. With a Jet Ski insurance cover it is just as important to include optional Jet Ski & Water Ski, Tubeing or Towing insurance if you do or may do any towing activities to ensure you are covered if someone gets injured, seriously disabled or the activity caused their accidental death. Complete a Boat or Jet Ski Insurance quote form here or Call on 02 6555 5022 for a free quote or to find out more.

Owning a holiday home is a dream for many Australians – whether it's a coastal retreat, a mountain cabin, or a country cottage. But while your holiday property brings joy and relaxation, it also comes with unique risks that require specialized insurance coverage. Let's explore what holiday home insurance covers and learn from real-world claims examples. What Makes Holiday Home Insurance Different? Unlike your primary residence, holiday homes face distinct challenges: Extended vacancy periods – Empty properties are more vulnerable to undetected damage Higher risk of malicious damage – Unoccupied homes can attract unwanted attention Weather exposure – Properties in coastal or bushfire-prone areas face specific natural disaster risks Guest-related incidents – If you rent your property, you're exposed to liability risks from guests In Australia, specialized underwriters offer tailored policies specifically designed for holiday properties and short-term accommodation. Real Claims Examples: Learning From Experience Example 1: The Burst Pipe Discovery The Scenario: The Johnsons owned a holiday home in the Blue Mountains that sat empty for three months during winter. When they arrived for their Easter break, they discovered a burst pipe in the upstairs bathroom had been leaking for weeks. Water had damaged ceilings, walls, carpets, and furniture throughout the property. The Claim: $47,000 for water damage repairs, replacement of damaged contents, and accommodation costs while repairs were completed. The Lesson: Escape of water is one of the most common holiday home claims. The extended vacancy meant the damage went unnoticed, significantly increasing the cost. To prevent this: Install water leak detection systems with mobile alerts Have a trusted local contact inspect the property regularly (at least monthly during extended absences) Consider turning off the water main when the property is unoccupied for long periods Ensure adequate heating during winter to prevent frozen pipes Example 2: Storm Damage and the Debris Impact The Scenario: A severe summer storm hit a beachside property on the NSW Central Coast. Strong winds lifted tiles from the roof, allowing rain to penetrate the interior. Additionally, a falling tree branch from a neighbor's property crashed through the back deck, causing structural damage. The Claim: $28,500 for roof repairs, internal water damage restoration, deck reconstruction, and emergency make-safe services. The Lesson: Storm damage is particularly prevalent in coastal holiday areas. This claim highlights several important coverage elements: Storm and tempest cover – Essential for properties in exposed locations Impact damage – Even if caused by a neighbor's tree Emergency mitigation costs – Immediate tarping and securing of the property prevented further damage Prevention tips: Conduct annual property maintenance, especially roof and gutter inspections before storm season Trim overhanging branches and maintain trees Install storm shutters in cyclone-prone regions Document the property's condition with photos for insurance purposes Example 3: The Short-Term Rental Incident The Scenario: The Patels listed their Sunshine Coast holiday unit on a short-term rental platform. During a three-night stay, guests accidentally started a small kitchen fire while cooking, which triggered the fire suppression system. While the fire was contained, the water damage from sprinklers affected the kitchen, living area, and the unit below. The Claim: $62,000 including fire damage repairs, water damage restoration to two units, loss of rental income during repairs (8 weeks), and public liability for damage to the neighbor's unit below. The Lesson: This is a complex claim that demonstrates why standard home insurance isn't adequate for rental properties. Key coverage elements included: Accidental fire damage – Even when caused by guests Consequential water damage – From fire suppression systems Loss of rental income – Critical for properties generating income Public liability – For damage to third-party property If you rent your holiday home: Ensure your policy specifically covers short-term rental activities Consider policies designed for holiday accommodation (like those from Kokomo or G.O.A.T Insurance) Implement proper guest screening and house rules Install appropriate safety equipment (smoke alarms, fire extinguishers, fire blankets) Consider requiring security deposits Keep comprehensive records of all bookings Essential Coverage for Holiday Homes Based on these examples, your holiday home insurance should include: Building cover – Insure for full replacement value, not market value Contents insurance – Often furnished properties have significant contents value Loss of rent/rental income – If you rent the property out Public liability – Especially important for rental properties (minimum $20 million recommended) Emergency accommodation – For yourself if the property becomes uninhabitable Gradual damage exclusions – Understand what's NOT covered (like wear and tear) The Underinsurance Trap Action item: Review your sum insured annually, accounting for: Building cost increases Renovations or improvements Contents replacement values Regional building cost variations Final Thoughts Holiday home insurance requires careful consideration of your property's unique circumstances. The claims examples above demonstrate that adequate coverage goes beyond basic building and contents insurance – you need protection tailored to vacancy periods, rental activities, and location-specific risks. Next steps: Review your current policy – does it cover rental activities if applicable? Verify your sum insured amounts are adequate Implement risk management strategies (regular inspections, maintenance schedules, water leak detectors) Consider specialist holiday accommodation insurers who understand these unique risks Work with an experienced insurance broker who can access specialized markets Remember, the goal isn't just to have insurance – it's to have the right insurance that protects your investment when claims occur. Get Expert Advice on Holiday Home Insurance Need specialist advice on protecting your holiday home investment? Contact the experienced team at Insure More for tailored holiday home insurance solutions: 📞 Taree: (02) 6591 3467📞 Tuncurry: (02) 6555 5022 Visit to request a quote Holiday Home Insurance | Rental Insurance Quotes | Insure More @ Aust Our local brokers understand the unique risks facing holiday properties in the Mid North Coast region and beyond. We can access specialist markets to ensure your holiday home has the right protection. Insure More – your local insurance broker providing expert advice on holiday homes, short-term accommodation insurance, and comprehensive property protection.

Owning a holiday home in Australia is a dream for many. Whether it’s a coastal getaway, a cabin in the mountains, or a riverside retreat, a second property can provide both lifestyle benefits and investment opportunities. But insuring a holiday home isn’t as simple as taking out a standard home and contents policy. Holiday home insurance in Australia comes with unique conditions, traps, and pitfalls that can catch owners off guard often leading to denied claims and unexpected costs. If you own, or are thinking of buying, a holiday house, here’s what you need to watch out for. 1. Holiday Home Insurance vs Standard Home Insurance One of the biggest mistakes owners make is assuming their holiday property can be covered by the same policy as their main residence. Insurers classify holiday houses differently because they are often left vacant for long periods, making them more vulnerable to theft, vandalism, or unnoticed damage. Trap:  Taking out a standard home insurance policy only to find it won’t cover your holiday property when you need it most. 2. Unoccupancy Clauses: The 30–90 Day Rule Most Australian insurers have strict unoccupancy rules . If your holiday home is left vacant for more than 30, 60, or 90 days (depending on the policy), parts of your cover such as theft, storm, or water damage may not apply. Pitfall:  Believing you have year-round cover, when in reality, your policy excludes damage after a certain period of vacancy. 3. Short-Term Rental & Airbnb Insurance Gaps Many holiday homeowners rent out their properties through Airbnb, Stayz, or Booking.com . However, standard holiday home insurance often excludes cover for paying guests. Some insurers require you to take out additional short-term rental insurance  or a specialised Airbnb property insurance  policy. Trap:  Assuming your guests are covered, only to discover you have no protection if they cause damage or a liability claim arises. 4. Maintenance and Inspection Requirements Holiday homes aren’t just set-and-forget investments. Insurers often require regular inspections, lock and alarm systems, and general upkeep such as gutter cleaning and smoke alarm checks. If a claim arises and the property is found to be poorly maintained, insurers may reduce or reject the payout. Pitfall:  Thinking insurance is a substitute for maintenance. In reality, insurers expect both. 5. Contents Cover Limitations Holiday homes usually contain fewer possessions, but they’re often targeted for high-value items like TVs, sporting equipment, and outdoor furniture. Some policies reduce contents cover for holiday homes, while others exclude portable valuables unless specifically listed. Trap:  Being underinsured for contents because your policy automatically restricts cover for second homes. 6. Bushfire, Flood, and Natural Disaster Exclusions Many holiday homes are located in scenic but high-risk areas such as bushfire-prone regions, flood zones, or coastal storm surge areas. Some policies exclude these risks altogether, or apply much higher excesses. Pitfall:  Finding out too late that your policy doesn’t cover flood, bushfire, or cyclone damage or that your excess is in the tens of thousands. 7. Premiums Are Often Higher Than You Expect Because of the extra risks, holiday home insurance premiums in Australia  can be significantly higher than standard home insurance. Owners sometimes try to cut costs by underinsuring or choosing the wrong type of policy leaving them exposed when it matters most. Trap:  Choosing the cheapest policy without checking whether it provides the right level of cover for holiday house risks. How to Get the Right Holiday Home Insurance in Australia Be upfront  with your insurer about whether the property is used privately, occasionally rented, or listed on Airbnb. Check unoccupancy conditions  and arrange regular inspections if the property sits empty for long stretches. Review natural disaster cover  carefully, especially in flood or bushfire-prone regions. Work with an insurance broker  who understands holiday home insurance and can compare multiple policies to find the best fit. Final Word Your holiday home is more than just a property it’s a place to relax, make memories, and even earn rental income. But without the right holiday home insurance , your dream getaway could quickly become a financial nightmare. By understanding the traps and pitfalls and working with an insurance professional who specialises in holiday house cover you can protect your investment and enjoy peace of mind. Let us guide you through the process Holiday Home Insurance | Rental Insurance Quotes | Insure More @ Aust

Wide range of insurance. Ask about Holiday Rentals, Public Liability, Commercial & Personal Insurance. Just some of the types of insurance we provide and can help you with. Get a Free Quote. Ready to Chat About Your Insurance Needs? Got a holiday home to protect? Running a business that needs solid liability cover? Or just want personal insurance that actually makes sense? Let’s chat. - Call us on 02 6555 5022 for a quick, friendly conversation — no scripts, no pressure, just real advice tailored to you. Not a phone person? No problem. Send us an email or jump online for a fast quote. Same expertise, your way. Quotes are 100% free, and we keep things simple, clear, and stress-free. So… are you sure you’re properly covered — or just hoping you are? Let’s sort it today. Barbers Insurance Business Insurance Construction Insurance Holiday Home Insurance Cyber Insurance Travel Insurance Beauticians Insurance Car & Vehicle Greenslip Insurance Home & Contents Public Liability Insurance Tradesman Insurance Boat & Watercraft Commercial Property Hairdressers Insurance Industrial Building Cover Serviced Apartment Units Welders & Boilermakers CANT FIND WHAT YOU NEED? GET IN TOUCH WITH US Email Us

Boat & Watercraft Insurance in NSW. Protect your investment with our comprehensive coverage. Visit us or call today for a quote. Boat, Jet Ski & Watercraft Insurance We can help you arrange comprehensive cover for your boat, jet ski, or watercraft, including optional public liability protection. What’s covered: Hull, motor, trailer, sails, and equipment Theft, fire, collision, accidental and malicious damage Towing (if trailered), capsizing, and stranding Accessories, tools, and onboard contents Use in inland and coastal waters (typically up to 200 nautical miles offshore) Optional extras: Water skiing, wakeboarding, tubing (must meet Australian Standards) Public liability coverage for injury or property damage to others Jet Ski cover: Available, with optional cover for towing/skier-related activities. What’s not covered (general exclusions): Alcohol/drug-related incidents Unlicensed operation Use outside policy limits or for undeclared business use Non-compliant towing equipment (e.g. tyre tubes) Public Liability: Covers your legal liability if you injure someone or damage their property, including legal and compensation costs. CLICK A LINK TO GET A QUOTE Start a Quote

Protect your project with Builders Construction Insurance. Get tailored coverage for construction works. Visit us in Tuncurry or Taree for Builders Insurance. Construction (Contract Works) Insurance Construction Insurance protects your building projects from unexpected damage, loss, or delays—helping safeguard your time, money, and reputation. Who it’s for: Builders (residential, commercial, industrial) Subcontractors Owner-builders Available as annual cover (multiple jobs) or single project cover What’s covered: Buildings under construction Tools and equipment Existing or adjoining structures (optional) Public Liability (recommended for injury or property damage claims) What’s not usually covered: Faulty workmanship or defects Loss after work stops or once the property is occupied Underground/water work (unless declared) Employee claims or motor vehicle-related claims Asbestos (unless specifically included) Next step: Get a quote or contact us to compare cover options and make sure your projects are properly protected. CLICK A LINK TO GET A QUOTE Trades Liability & Tools Quote Construction Insurance Quote Owner Builder Insurance Quote