Why Review Your Insurance Before Summer Holidays

As summer holidays approach, families across the Macedon Ranges and regional Victoria look forward to travel, visitors, and celebrations. But with the warmer weather approaching it’s also a great time to review your insurance cover. Ensuring your policy is up to date and fits your holiday plans gives you confidence and peace of mind when you’re away.

Holiday periods often bring vacant homes, short-term rentals, and valuable new purchases. Standard home or contents insurance may limit cover for theft, accidental damage, or bushfire risk when your property is unoccupied or let to guests. Recent renovations, gifts, or equipment upgrades require an update of your policy’s sum insured, ensuring you’re not left underinsured after an incident.

Specialist insurance may be needed for short-term holiday rentals or Airbnb properties, with extra options for guest or liability protection. Don’t forget your caravan, boat, or recreational assets, which may need dedicated policies before the busy summer months.

What to Check Before the Holidays

• Is your home and contents insurance active and current?

• Have you updated your sum insured to cover new purchases, renovations, or gifts?

• Does your policy offer cover for vacant homes or accidental damage when you are away?

• Is your holiday home or short-term rental property fully covered? Do you need specialist insurance for letting platforms like Airbnb?

• Are your caravan, boat, or recreational vehicles’ policies renewed for summer travel?

• Have you reviewed your emergency contacts and claims process with your insurer or broker?

By taking these steps before the holidays, you’ll enjoy your time away knowing your home, belongings, and guests are protected—making the summer season one for relaxation, not worry.