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Holiday rental insurance

We partner with ShareCover to bring you protection designed for homes with short-term rental guests.

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Renting your home through websites like Airbnb or Stayz?

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).

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How does holiday rental insurance work?

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).

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Is holiday rental insurance right for you?

Holiday rental insurance can help give you protection and peace of mind if you:
 

  • list your property on Airbnb, Stayz, Booking.com or a similar recognised online home-sharing platform that carries out verification checks on guests
  • manage your rentals through a licensed real estate agent that carries out verification checks on the guests.
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Insurance

What does holiday rental insurance cover?

Included

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.

Not included

  • 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.

Why choose NRMA Insurance & ShareCover?

Award-winning insurance

For 4 years running, NRMA Insurance has been awarded Australia's Most Trusted Insurance Brand by Roy Morgan (2022 to 2025).

Strong partnership

We partner with ShareCover to provide cover for homes that use recognised online home sharing websites for short-term rental guests.

100 years of help

With a century of experience, we know how to protect the things you care about.

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To purchase cover online or modify an existing policy, visit www.ShareCover.com.

Existing customers

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Protect your property with NRMA home insurance

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.

Learn more about holiday rental insurance

See what you’re covered for with ShareCover holiday rental insurance

Read the PDS

Cover your property for just one night, or up to 90 nights

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FAQs

Holiday rental insurance FAQs

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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.

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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.

Things you should know

  1. We’ll stop paying lost rental income at the earliest of: (i) 52 weeks from the date of the damage; (ii) when your property is no longer unliveable; (iii) we pay the amount it would cost us to repair the damage, provided you can action the repairs; (iv) guests stay at the property; (v) we pay the sum insured for ‘Building Cover’ or ‘Contents Cover’ on the Certificate; (vi) the date your lease expires (if leasing the property); or (vii) we pay you $50,000.

  2. The property must be your primary residence for us to provide temporary accommodation cover for up to the earliest of: (i) 3 months from the date of the damage; (ii) the date the lease expires if you rent your home under a lease; or (iii) we pay you $15,000 for any one claim.

  3. ShareCover is a separate brand to NRMA Insurance, but both are issued by Insurance Australia Limited.

  4. ShareCover is issued by Insurance Australia Limited, ABN 11 000 016 722, AFS Licence No. 227681, trading as ShareCover Enterprises. When making decisions about your insurance, always read the Product Disclosure Statement and Target Market Determinations. You can also read the Buildings Key Fact Sheet and Contents Key Fact Sheet which list some important events and risks that are covered and not covered.

  5. ShareCover Enterprises isn’t related to Airbnb or Stayz. References to Airbnb or Stayz don’t mean we endorse those platforms (or that they endorse us).