Specialised Cover for Holiday Property Owners, Short-Stay Accommodation, & Rental Property Managers
Whether you rent out a private holiday home, self-manage bookings on platforms like Airbnb or Stayz, or host paying guests in your primary residence, it’s essential to have the right insurance in place. Standard home and landlord policies often exclude or limit cover for short-term rentals, leaving property owners exposed to risks such as frequent guest turnover, accidental damage, liability claims, and loss of rental income.
At Coverforce, we understand the growing short-term rental market. We can help holiday home owners and property managers secure tailored insurance solutions for short-term accommodation, holiday rentals, and commercial short-stay properties.
What is Holiday / Short Term Rental Insurance?
Holiday rental insurance (also called short-term accommodation insurance) is designed specifically for properties rented to guests for short periods. These policies cover the unique risks faced by holiday property owners, including:
- Accidental or malicious damage caused by guests
- Increased liability exposure
- Frequent guest turnover
- Loss of rental income due to property damage or repairs
Unlike standard home or landlord policies, short-term accommodation insurance recognises the risks associated with holiday rentals, short-stay platforms, and temporary tenancy arrangements, whether residential or commercial.
Request a QuoteWhat does this insurance typically cover?
Short-term rentals come with unique exposures that standard home or landlord insurance may not cover. These risks include:
Property & Contents Protection
This covers accidental or malicious damage caused by guests, as well as theft of contents, appliances, or household items. It also protects furniture, décor, electronics, and can include fire, storm, or flood events. For units or apartments, cover can extend to strata buildings and fixtures.
Liability Cover
Liability cover protects you if a guest or visitor is injured on your property. It also covers hazards associated with pools, stairs, balconies, spas, fireplaces, or other guest facilities, as well as legal costs arising from claims.
Income Protection
Income protection ensures you are covered if your property becomes uninhabitable due to an insured event. This includes loss of rental income, cancelled bookings, and, for commercial operators, optional business interruption cover.
Who is this insurance suitable for?
Holiday / Short Term Rental Insurance is ideal for property owners and operators involved in short-term rentals and holiday accommodation, including:
Holiday home owners (short-term rentals)
Short-stay platform hosts (eg. Airbnb, Stayz, Booking.com)
Short-term rental managers
Holiday rental investors
Part-of-home and room hosts
Boutique accommodation operators
Commercial short-stay providers
Farm stays & rural short-stay hosts
Luxury holiday rentals
Common risks faced by Holiday Rental Owners
Guest-Related Risks
Guests can accidentally damage furnishings, walls, or floors, and may break glass, appliances, or fixtures. Theft of contents or provided amenities is another risk, as is property damage during parties or unauthorised gatherings.
Property Risks
Your property can be affected by fire, storm, or water damage, leaving it uninhabitable. Frequent guest stays can also cause high wear and tear, and coastal or humid locations may face mould or water ingress. Outdoor areas, including pools, spas, BBQs, or furniture, are also vulnerable.
Liability Risks
Liability risks include injuries caused by stairs, balconies, or slippery surfaces. Hazards related to pools, spas, bicycles, or other recreational equipment can also result in claims against property owners.
Financial Risks
Loss of rental income may occur while repairs are carried out, and bookings may need to be cancelled due to property damage. Damage or downtime can also affect your property’s reputation, impacting future rental opportunities.
Why choose Coverforce PPIS?
At Coverforce, we’re more than just brokers. As your insurance partner, we focus on offering risk advice and securing comprehensive coverage for your short term rental property.
Industry Knowledge
We understand the unique risks of holiday and short-term rentals, including guest damage, liability exposures, and income disruption.
Direct Contacts
One point of contact, no call centres. You get a dedicated broker who understands the short-term rental market and your property needs.
Access to Major Insurers
We compare policies from leading insurers to secure the best value and protection for your holiday or short-term rental property.
Claims support when you need it most
Our dedicated in-house claims team offers highly responsive service and expert guidance throughout the entire claims process.
Year-Round Support
Whether you’re updating your listing, expanding your rental portfolio, or renewing your cover, we’re here to support you all year round.
Frequently Asked Questions
In most cases, standard home or landlord insurance policies do not cover short-term rental arrangements. These policies are typically designed for long-term tenants or personal residential use, and may exclude accidental or malicious damage caused by short-stay guests.
Insurers have recognised the growing short-term rental market and developed products to address the unique risks faced by holiday property owners. These policies go beyond standard home or landlord cover, and help protect against guest-caused damage, loss of rental income, liability for guest injuries, contents damage, and legal or compliance costs.
Absolutely. Short-term accommodation insurance is suitable for a variety of commercial operators, including boutique hotels, serviced apartments, small holiday parks, and professional short-stay accommodation providers. Policies can be tailored to meet the specific needs of commercial properties, covering higher guest volumes, shared facilities, and additional liability exposures that come with operating a business.
While short-term rental insurance provides broad protection, there are some common exclusions. These often include wear and tear, pre-existing damage, deliberate or criminal acts by the property owner, unapproved renovations, and certain high-risk activities or events. Policies may also limit coverage for specific items or situations, so it’s important to review your policy details to understand exactly what is and isn’t covered.
Ready to get covered?
Secure tailored insurance for your holiday home or short-stay property, with cover for guest damage, liability, and loss of rental income.
For more information or to speak to one of our brokers about arranging cover for your property, please contact us.
Alternatively, you can simply fill out a Short Term Rental Insurance Quote form below and one of our insurance brokers will get in touch with you within one business day.
Request a quote
