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What is and isn't covered under a 'Short-stay Rental House' policy?

**For full details on what is and isn’t covered under ShareCover’s ‘Short-stay Rental House’ policy, read the Product Disclosure Statement (PDS).

This policy covers you for a bunch of risks associated with renting your property on sharing economy platforms like Airbnb, Stayz and TripAdvisor. It also doesn’t cover you for some risks.

Importantly, ShareCover may cover you where your standard home and contents insurance, landlord insurance, or guarantee provided by the sharing economy platform you’re using, may not.

As detailed in the PDS, ShareCover provides cover for your house and its contents whilst it is being used as temporary residential accommodation (through a recognised sharing economy platform like Airbnb, Stayz or TripAdvisor), for loss or damage that is directly caused by a guest’s (or a guest’s visitor’s) act or omission. This includes events such as; theft, accidental and malicious damage, loss of rental income and liability.

Plus, cover for your property for damage not caused by a paying guest’s (or a guest’s visitor’s) act or omission, such as natural peril or disaster (fire, storm, tempest, lightning, thunderbolt, hail, earthquake, flood etc.).

Among other things, ShareCover will not cover spaces that are being sub-let without written consent from the landlord or owner.

Remember to check the PDS for full details on what is and isn’t covered under this policy.

If you have any doubts or queries about what is and isn’t covered by ShareCover, contact us.

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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.