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HOLIDAY HOME INSURANCE What is Holiday Home Insurance? Most domestic house insurances cover owner-occupied residencies. These insurances are not designed to protect owners against the extra hazards of owning a second home or renting their house to short-stay tenants. In particular, in addition to Building and Contents, you need to cover:
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Liability claims by a tenant against you; | |
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Regular long-term unoccupancy cover; | |
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Damage by a tenant or their guests. | |
Please read the Product Disclosure Statement for full details of the cover. Holiday Home Insurance through TICA Insurances as Authorised Representatives for St George Underwriting Agency will give you these covers – and one more thing – If you want to minimize the expenses of running your second home, pay attention to the excesses you have to pay when you have a claim. Holiday Unit Insurance by TICA Insurances as Authorised Representatives for St George Underwriting Agency have the lowest excesses around We can offer you a special policy specifically tailored for Holiday Homes, whether rented out or not. Cover includes: |
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| Building & Contents | ||
| This covers You for damage to property insured at the situation caused by Defined Events and provides a number of automatic additional benefits. |
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| Loss of Rent | ||
| This covers You for loss of rent in the event the Building or Contents is damaged by any of the Defined Events in Sections 1 or 4 (as defined in the PDS) so as to become un-tenantable. |
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| Strata Title Mortgagee Protection | ||
| This covers the mortgagee named in the Schedule against loss or damage caused by any of the Defined Events (it does not include the Additional Benefits). |
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| Deliberate Damage by Tenants | ||
| This covers You for damage arising from deliberate, intentional or malicious damage done to the Building or Contents by the Tenant. |
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| Domestic Workers’ Compensation | ||
| This covers You for claims against You under any state or territory workers’ compensation legislation where We are permitted to issue cover. (ACT, WA and Tas) |
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| Legal Liability | ||
| This Covers You for claims up to $20,000,000 arising out of any one accident or series of accidents attributable to one source or originating cause . |
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| TICA Insurances Pty Ltd is a member of the TICA Group of Companies |