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Short-stay landlord

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Pay-per-night

Pay-per-night insurance covers hosts for guest related risks and liability
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Are you renting your property to paying guests every now and then?

Our Pay-per-night policy is designed to be as flexible as your bookings

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Why choose Pay-per-night for your property?

Peace of mind

  • Covers you and your property for guest related risks
  • Your standard home and contents insurance may not cover short-stay renting
  • Platform guarantees are not the same as insurance – and aren't a substitute

Flexible

  • Choose a policy anywhere between 1 and 90 nights
  • Get cover only for the nights you have bookings
  • Can be used in combination with any existing home and contents insurance

Trusted

  • Specialist insurance for short-stay rentals
  • We’ve covered over 500,000 nights
  • Backed IAG, Australia’s largest general insurance group

You can choose the sum insured for your building up to $2m and contents up to $500k with $10m of liability cover included.

What does Pay-per-night cover?

Guest related damage and liability

  • Accident
  • Accidental breakage of glass
  • Fire
  • Malicious damage
  • Explosion
  • Theft or attempted theft
  • Impact
  • Bursting, leaking, discharging or overflowing
  • Riot or civil commotion
  • Liability
  • Loss of rental income
  • Temporary accommodation

Additional benefits

  • Glass breakage
  • Loss of rent (death of a guest)
  • Loss of rent (murder or suicide)

For a full list of covered events, please read the PDS. This cover is subject to exclusions and limitations, and for a full list please read the PDS.

Things to know

Pay-per-night policy does not replace the need for home and contents insurance that covers your use of the property and damage by natural perils (storms, bushfire, flood etc).

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You can be confident in knowing we're proudly backed by Insurance Australia Group.

IAG is the name behind some of the most trusted and respected insurance brands in the regions in which it operates. Its businesses have helped people recover from natural disasters, accidents and loss since 1851.

IAG's businesses underwrite over $11billion of premium per annum, selling insurance under many leading brands including NRMA Insurance, CGU, SGIO, SGIC, Swann Insurance and WFI (Australia); and NZI, State, AMI and Lumley Insurance (New Zealand).

Standard & Poor's has assigned a 'Very Strong' Insurer Financial Strength Rating of 'AA-' to the Group's core operating subsidiaries.

Backed by IAG

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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: www.moneysmart.gov.au

ShareCover Enterprises is owned by Insurance Australia Limited and is not related to either Airbnb, Bolt, Booking.com, 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.