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What is the difference between a short-stay landlord policy and a traditional landlord insurance policy?

A traditional landlord insurance policy will cover you for an entire year and will typically only insure stays that are longer than 90 days. Most stays on platforms like Airbnb, Stayz or TripAdvisor are for less than 90 days, meaning that most traditional landlord policies won’t cover you short-stay renting.

Other typical features of traditional landlord insurance policies that may be problematic when renting a property with a recognised sharing economy platform like Airbnb, Stayz, or TripAdvisor include:

  • A traditional landlord insurance policy will typically cover you for an entire year - this means you may be paying for many nights where you don't have a guest staying in your property
  • You typically also need a documented tenancy agreement before you purchase landlord insurance

If you have any further questions about the differences between these landlord policies, please 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.