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 700,000 nights
• Backed IAG, Australia’s largest general insurance group

ShareCover designed this policy to address the needs of hosts who are renting out their properties to guests for a weekend, the school holidays, or the odd night here and there.

This policy provides cover for your home and its contents whilst being used as temporary residential accommodation for loss or damage that is caused by a guest’s (or a guest’s visitor’s) act or omission. This includes risks such as theft, malicious and accidental damage, income loss and liability.

You can take out this policy for any periods of temporary residential accommodation of 90 days or less, which can include multiple guest stays over the period of insurance.

For full details about this policy and whether it’s right for you, read the Product Disclosure Statement (PDS).

For full details on what is and isn’t covered under ShareCover’s ‘Pay-per-night’ policy, read the Product Disclosure Statement (PDS).

This policy covers you for a bunch of risks associated with renting your property on sharing economy platforms like Airbnb, Stayz and TripAdvisor. It also doesn’t cover you for some risks.

Importantly, ShareCover may cover you where your standard home and contents insurance, landlord insurance, or guarantee provided by the sharing economy platform you’re using, may not.

As detailed in the PDS, ShareCover provides cover for your home and its contents only whilst it is being used as temporary residential accommodation (through a recognised sharing economy platform like Airbnb, Stayz or TripAdvisor), for loss or damage that is directly caused by a guest’s (or a guest’s visitor’s) act or omission. This includes events such as;theft, accidental and malicious damage, loss of rental income and liability.

It is important to note that this 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.). Among other things, ShareCover will not cover spaces that are being sub-let without written consent from the landlord or owner.

Remember to check the PDS for full details on what is and isn’t covered under this policy.

If you have any doubts or queries about what is and isn’t covered by ShareCover, contact us.

The ‘Pay-per-night’ policy will cover you for a single period of temporary residential accommodation of 90 days or less.

This period can include multiple bookings. For example, if you have six bookings over a three-week period, you can purchase a Pay-per-night policy for that three-week period which covers all six bookings. What’s more, you only pay for nights when you have a paid guest staying.

And for more information about what is covered under the Pay-per-night policy, see our Product Disclosure Statement.

The insurance Pay-per-night provides is not the same as the cover from your standard home and contents insurance policy; landlord policy; or from covers and guarantees provided by platforms.

Pay-per-night offers flexible home, contents and liability insurance specifically for those renting their property every now and then through recognised sharing economy platforms like Airbnb, Stayz and TripAdvisor. Pay-per-night can operate in tandem with, your standard home and contents policy, which may not necessarily cover you for damage or loss resulting from acts or omissions of guests renting or sharing your property. This is often because short-term renting and home-sharing are recognised as commercial uses of property, and thus fall outside of cover provided by personal, residential homeowner’s insurance.

Pay-per-night operates as a flexible form of cover, to support your part-time hosting. Make sure to look closely at Pay-per-night to see what it covers and how it works best with homeowner’s insurance.

For more details about how Pay-per-night works, what it does and doesn’t cover, and how to claim, see our Product Disclosure Statement.

If you have doubts or queries about how ShareCover works, please contact us.