Airbnb & Holiday Letting Insurance


At any given time, thousands of homes are available for short-term & holiday rental through services like Airbnb all across Australia, including in Northern Queensland, Brisbane, and the Gold Coast area.

However, data shows that over 50% of Airbnb hosts were unable to say for certain whether their current insurer had their property and financial interests protected, or how they were protected.

A lot of the confusion stems from uncertainty over what the Airbnb Host Protection Insurance covers and what your own home & contents policy will provide.

We have experts who are able to provide you with the advice you need to make sure your assets are financially protected.


Types of Airbnb & Holiday Letting Insurance


The home-sharing economy, particularly short-term holiday letting, is becoming increasingly popular. Homeowners are renting out rooms in their homes, as well as their investment properties. However, standard home insurance policies are very unlikely to cover many, or all, the risks this poses.

Here are some different types of cover that you need to be aware of before you start taking in short-term tenants.

Airbnb Host Protection Insurance

This is the cover that all Airbnb hosts automatically receive. However, many hosts do not spend enough time to fully analyse and understand what this policy actually covers.

The primary protection this provides is against liability arising from claims involving physical injury or damage to the property of your guests. However, in most cases, this will not protect you from the financial risk of damage to your property. This is why additional cover is so important.

Full Accidental Damage Policies

One of the most unique protections our insurance representatives at Aspire are able to offer is full “Accidental Damage” policy wording through our Steadfast products. This type of policy can provide you with the most comprehensive cover for unforeseen and accidental damage to your property directly resulting from the actions of short-term stays. This extends beyond the typical “Listed Events” cover that is often restricted to natural perils and specific types of damage, and these policies typically include the following at a minimum:

  • Damage to building & contents
  • Legal Liability
  • Wide range of Excess options
  • Full Accidental Damage Policy Wording
  • Flood Cover
  • External Locks or Keys Covered
  • Legal costs to evict a tenant
  • Automatic Electric Motor Burnout – Repair or Replacement


Quality Advice You Can Trust


If you want to make sure that your property is protected and that all liability cover is taken care of, our insurance representatives at Aspire Insurance Solutions are here to help.

Our team are regular Airbnb users and with our unique insights into numerous new and innovative products, we can make sure you sleep better at night.


Expert Claims Handling


Whether you’re facing a liability or property damage claim, having to deal with a claims department or insurance assessor can just make an already stressful situation worse.

With the help of our dedicated team, you can make sure that your claim is dealt with in the fastest possible way so that you don’t have to worry about the finer details.


Annual Cover Review


As part of your service with Aspire Insurance Solutions, we perform an annual review of your policy to ensure that your coverage adapts to match your needs.

In a rapidly changing industry, we also explore options with comparable insurers to ensure that you can see how your policy compares in both cover and premium.