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What is a 'Pay-per-night' policy?

ShareCover designed this policy to address the needs of hosts who are renting out their properties to guests for a weekend, the school holidays, or the odd night here and there.

This policy provides cover for your home and its contents whilst being used as temporary residential accommodation for loss or damage that is caused by a guest’s (or a guest’s visitor’s) act or omission. This includes risks such as theft, malicious and accidental damage, income loss and liability.

You can take out this policy for any periods of temporary residential accommodation of 90 days or less, which can include multiple guest stays over the period of insurance.

For full details about this policy and whether it’s right for you, read the Product Disclosure Statement (PDS).

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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.