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What is and isn't covered under ShareCover's 'Short-stay Rental House' natural perils cover?

Before reading this, make sure you check whether your property qualifies for this cover - click the link to the relevant FAQ below: 'Is my property covered against natural perils?'.

As detailed in the PDS, ShareCover provides cover for loss or damage to your home and contents directly caused by any of the following events:

  • Bushfires
  • Lightning (including power surge caused by lightning)
  • Earthquake
  • Tsunami
  • Storm
  • Flood and rainwater run off

ShareCover does not cover any loss or damage caused by certain incidents, including but not limited to; subsidence and landslide (unless proved to have directly occurred within 72 hours of, and as a direct result of, an earthquake, tsunami or flood), erosion, landslip, mudslide, collapse, shrinkage or any other earth movement.

For full details on what is and isn’t covered under ‘Short-stay Rental House’ natural perils cover, read our 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.