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Do I need insurance even if I'm not the owner of the property listed on Airbnb, Stayz or TripAdvisor?

Ultimately the decision to get insurance is up to you.

If you’re not the owner of the property listed on Airbnb, in many cases the owner or landlord will have some form of home and contents insurance. But, crucially, this doesn’t mean the property (and you as a tenant) are automatically covered when you rent out that property on platforms such as Airbnb, Stayz, or TripAdvisor. Nor will damage or loss necessarily be covered by the cover or guarantee for hosts provided by some recognised sharing economy platforms (e.g. Airbnb’s Host Guarantee). If you something gets damaged or someone gets hurt during a paying guests’ stay, you, or the property owner, may have to personally foot the bill.

As a non-owner of the listed property, you are still able to purchase ShareCover. You must, however, obtain written consent from the landlord or property owner, and if you make a claim, we will ask for a copy of that consent. Also, note that when you purchase ShareCover for a property you rent and do not own, it is the landlord or property owner who will be the beneficiary of any building claim that arises from the policy.

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ShareCover is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 trading as ShareCover Enterprises. When making decisions about a product, always read the Product Disclosure Statement (PDS). For home policies, please also read our Key Fact Sheets (KFS) for buildings and contents which set out some of the events/risks covered and not covered by our home policies and other information you should consider. These sheets do not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for more details.

To help you make an informed choice on insurance visit the Australian Government website:

ShareCover Enterprises is owned by Insurance Australia Limited and is not related to either Airbnb, Bolt,, DiDi, OLA, Shebah, Spacer, Stayz and Uber. References to these platforms on this website do not constitute an endorsement by these platforms of ShareCover nor an endorsement of these platforms by ShareCover; nor IAG being partnered with these platforms.