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Do I need insurance to use sharing economy platforms like Airbnb, Stayz & TripAdvisor?

Ultimately the decision to insure your property is up to you.

In most cases property owners or landlords have some form of home and contents insurance. However, this doesn’t mean you are automatically covered by standard home and contents or landlord insurance when you rent out your property on platforms such as Airbnb, Stayz or TripAdvisor.

Also, while many recognised sharing economy platforms provide some form of cover or guarantee for hosts renting their property – for example, Airbnb offer a Host Guarantee as well as Host Protection Insurance and Experience Protection Insurance – these do not necessarily cover you for all instances of property damage incurred during a guest’s stay.

ShareCover is designed to offer flexible insurance that protects you from risks associated with having a guest in your property. However, ShareCover isn’t always a replacement to your standard home and contents policy, landlord policy or guarantees provided by sharing economy platforms like Airbnb, Stayz or TripAdvisor.

ShareCover doesn’t cover damages caused by your use of the property. Rather, it provides cover for additional risks associated with renting your property on a recognised sharing economy platform.

Other coverage you may need is dependent on your requirements. In some cases ShareCover may provide all the cover you need and in others it might be required in addition to standard home and contents insurance, guarantees or landlord insurance. Look at our different policy options to see which best suits your needs.

Check the ShareCover product disclosure statement carefully to see if you will be covered for everything you need.

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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.