Do You Need Insurance for a Short-Term Rental Property?

• Adroit Insurance and Risk
• - July 11, 2025

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There is now specialist insurance cover for houses or apartments listed on Airbnb, Stayz and other short-term rental platforms. These insurance packages can cover fire, accidental damage, theft by the guest or rent default, which a standard insurance policy may not cover.

What’s Different About Short-Term Rentals?

Short-term stays mean higher guest turnover, less vetting, and more wear and tear. News articles regularly report on unauthorised parties causing damage, theft of items like TV’s and guest’s being injured, which a standard landlord or home insurance policy usually won’t provide cover for the loss or damage.

Short term Insurance Packages

Specialist short-term rental accommodation insurance cover has basic and optional cover, including:

Basic covers

1. Fire, storm and impact damage & Loss of rental income;
2. Damage to glass and ceramics fittings;
3. Public liability if a guest or a visitor is injured;
4. Property damage (accidental or malicious) by guests or their visitors;
5. Theft by guests or visitors;
6. Loss of rental income due to accidental or malicious damage;

Optional covers- at an additional cost

1. Property damage (accidental or malicious) by guests or their visitors;
2. Theft by guests or visitors;
3. Loss of rental income due to accidental or malicious damage;

Some policies even extend to cleaning costs or denial-of-access claims.

Check your insurance cover

It’s important to make sure your insurance cover is for a short-term rentals and to know the amount and type of cover you need to fully protect yourself.

To ensure you have the right type and amount of cover, talk with your Risk Adviser about landlord insurance packages tailored for short-term stays.