We've been helping Australians for 100 years
We partner with ShareCover to bring you protection designed for homes with short-term rental guests.
We work with ShareCover to bring you specialised protection for your home.
ShareCover’s Short Stay-Host Insurance can help protect your house or apartment when you use recognised online home-sharing websites such as Airbnb or Stayz for short-term rentals (up to 90 nights).
Holiday rental insurance is a type of cover for property owners who rent their home or apartment to short-term guests through a recognised online home sharing platform. It can help cover accidental damage, theft and, vandalism directly caused by a guest, rent loss after a covered incident, and legal liability for personal injury if a guest is injured during their stay.
ShareCover’s holiday rental insurance, can help cover your property for just one night, or up to 90 nights. You can also select how much cover you want for your building (up to $2 million) and your contents (up to $500,000).
Holiday rental insurance can help give you protection and peace of mind if you:
ShareCover’s holiday rental insurance is designed to help cover the risks that come with hosting paying guests in your home through recognised home sharing sites like Airbnb and Stayz.
Building and contents
Cover for damage to your building and the contents inside caused by a guest during their stay.
You can choose cover for your building (up to $2 million), your contents (up to $500,000), or both.
Theft or attempted theft
Cover for theft or attempted theft (up to $25,000) caused by a guest or their visitors.
Loss of rental income during repairs
If your property becomes unliveable after a covered incident, you may be able to claim for lost rental income for confirmed bookings that are cancelled during repairs (up to 12 months or $50,000).1
Temporary accommodation
Cover for temporary accommodation costs if your primary residence can’t be lived in after a covered event (subject to the policy terms, conditions, limits and exclusions).2
Legal liability
Cover for your legal liability if a guest is injured or there is guest related damage to someone else’s property during their stay, up to $10 million.
For the full list of what’s covered, please read the PDS and TMD for the applicable policy.
Natural events and weather
ShareCover’s holiday rental insurance does not cover loss or damage caused by storm, flood, bushfire, hail, lightning, earthquake or cyclone and other weather events. For protection against these events, you can consider whether an NRMA Home Insurance policy is right for you.
Events outside a guest stay
Cover only applies while a guest is actively staying at your property. Any loss or damage that occurs between bookings is not covered.
Family and household members
Loss or damage caused by you, your family, or anyone else permanently living in the home is not covered.
Guest's pets
Damage caused by an animal owned by or brought into the home by a guest or their visitors is not covered.
Wear and tear
Damage caused by gradual deterioration is not covered.
Unverified bookings
Cover only applies to bookings made through a recognised platform that carries out verification checks on guests. Bookings arranged outside of recognised platforms like Airbnb, Stayz or Booking.com are not normally covered.
For the full list of what is and isn’t covered, please read the PDS and TMD for the applicable policy.
For 8 years running, NRMA Insurance has been awarded Australia's Most Trusted Insurance Brand by Roy Morgan (2019 to 2026).
We partner with ShareCover to provide cover for homes that use recognised online home sharing websites for short-term rental guests.
With a century of experience, we know how to protect the things you care about.
To purchase cover online or modify an existing policy, visit www.ShareCover.com.
We can cover the cost to repair or rebuild your home if it’s damaged or destroyed by an incident we cover, up to the sum insured.
Protect your home inside and out with combined Buildings and Contents Insurance. Your buildings and items will be covered for a range of incidents.
Protect your rental property, its contents, or both. We can cover rent default, as well as damage to your property from theft, vandalism, fire, storms and more.
See what you’re covered for with ShareCover holiday rental insurance
Cover your property for just one night, or up to 90 nights
Discover more about insurance in the home or on the road
Holiday and Short Term Rental Insurance is specifically designed for properties that are rented out for a short amount of time, such as holiday homes.
Having Holiday Rental Insurance can cover your property against various risks, like if your guests accidentally or deliberately damage your property or the contents inside your property.
It may also cover the rental income that your property earns, as well as public liability and guest-related theft or vandalism of your property.
This depends on your policy.
Some Home and Contents Insurance policies exclude coverage for short-term rentals. Check your policy to see what you're covered for.
Your premiums might be tax deductible when you let relevant tax authorities know about your rental income. Please seek independent financial or tax advice from a licensed professional such as an accountant.
The average cost of a policy is less than $8 a night, depending on how much cover you choose.
Every property is different and prices change based on a lot of different factors. The quickest way to find out how much you’ll pay is to get a quote.
Holiday rental insurance could be helpful, even if you only rent to short term guests through recognised online home sharing sites occasionally.
Your standard home and contents policy may not cover damage or liability caused by paying short term rental guests, so even a single stay could leave you facing costs if something goes wrong.
ShareCover's flexible policy structure for holiday rental insurance means you can choose cover for the number of nights you need.
Yes, ShareCover policies are specifically designed for short term holiday rental properties listed on recognised home-sharing platforms, including Airbnb and Stayz. Cover applies for short-term stays of up to 90 nights.
You should know that ShareCover is not affiliated with or endorsed by Airbnb, Stayz, or any other holiday rental or home-sharing platform.