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Do sharing economy platforms like Airbnb, Stayz and TripAdvisor provide insurance?

Many recognised sharing economy platforms provide some form of cover or guarantee for hosts renting their property to guests.

For example, Airbnb offer a Host Guarantee as well as Host Protection Insurance and Experience Protection Insurance. To understand exactly what is and isn’t covered by any form of cover provided by Airbnb, Stayz, TripAdvisor, or any other sharing economy platform, refer closely to their specific policies.

Importantly, covers provided by sharing economy platforms do not necessarily protect you against all instances of property damage or loss incurred during a guest’s stay.

ShareCover isn’t the same as these covers or guarantees – or your standard home and contents insurance or landlord insurance – rather it offers flexible insurance that protects hosts from additional risks associated with having a guest in their property, when using a recognised platform such as Airbnb, Stayz, or TripAdvisor. Each ShareCover policy fulfils different needs and, in some cases, may provide all the cover you require.

For full details about what’s covered, what’s not, and how claims work, see our Product Disclosure Statements.

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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.