Property
peace of mind.

Rent your home or investment property with confidence.

Our partners at ShareCover offer flexible insurance policies that covers damage, theft, liability, and more.

Long-term leasing insurance

                           

Insurance gives you peace of mind to avoid financial and emotional stress.

Why buy landlord or short-stay insurance?

It protects your assets from theft or damage. It can also cover loss of rental income and protection from liability for injuries in your property, plus other benefits.

  • Plan for the unexpected.
  • Minimise your risk.
  • Reduce stress.
  • Decrease your financial exposure.
  • Protect yourself & your tenant and guests.
  • Tax deductable.

Is landlord insurance worth it?

Why buy ShareCover?The good news for property owners is that Sharecover policies can work in tandem with your existing policy or as stand-alone comprehensive cover, offering three coverage options:

Landlord Coverage

Landlord coverage for full time investment properties rented on a standard lease. This is stand-alone comprehensive cover covering the tenant’s use of the property and damage by storms, bushfires, flood etc.

'Pay-per-night' Policy

The ‘Pay-per-night’ policy can be taken out for casual guest rentals (less than 90 days). It is flexible cover for the duration of each stay and works in tandem with an existing home and contents insurance policy.

For further details, Sharecover’s FAQs may be helpful and PDSs will explain their policies and coverage.

Insurance FAQs

Insurance is designed to help reduce your risk. We ask our owners to contact your insurance company to advise them that they plan on having guests or tenants in the property. As best practice, we suggest that you take out speciality short-term rental insurance as some home and contents policies do not cover long term leasing or short term rentals to guests. This is because short term renting or leasing is considered a commercial income stream and it not covered under personal, residential homeowner’s insurance.

It’s your property, so it’s your call. We insist all of our property owners have comprehensive cover to suit their needs. We’ve also prepared some more details to help you understand insurance coverage for short term rentals and leasing.

We hold various insurance policies to cover our risks and obligations as your agent, including $20M public liability, $10M in professional indemnity, $10M in workers compensation and other business insurances. These policies don’t cover your obligations as an owner or landlord if you are legally liable or if your property is damaged by a tenant, guest or natural disaster.

In short, no. Most landlord policies will only cover ‘loss of rent’ when a short-term rental property is so badly damaged that it cannot be lived in or rented out to guests or tenants. Property Providers’ guest cancellation policy provides details in these situations.

Some home and contents insurance may not automatically cover your property for short term rentals or long term leasing. Ask your insurer to clarify. The good news for property owners is that Sharecover policies can work in tandem with your existing policy or as stand-alone comprehensive cover. Sharecover’s FAQs may be helpful and PDSs will explain their policies and coverage.

The owners corporation will have building and public liability insurance for the outside of a strata building, but not for the inside of each apartment. For example, if a water pipe breaks, the strata scheme will fix the pipe, but they will not pay for any internal damage to paint work, carpets and floorboards. There may also be loss of rent in this situation, which would not be covered.

We’re not insurance experts or suggest that ShareCover is right for you and your property. Sharecover’s FAQs may be helpful and PDSs will explain their policies and coverage. For full disclosure: If you choose a ShareCover policy through this landing page, Property Providers earns a small referral fee, which does not inflate the premium you may pay.

Backed by IAG, Australia’s largest general insurance group

IAG is the name behind some of the most trusted and respected insurance brands including NRMA Insurance and CGU.
Standard & Poor's has assigned a 'Very Strong' Insurer Financial Strength Rating of 'AA-' to the Group's core operating subsidiaries.
ShareCover is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 trading as ShareCover Enterprises. When making decisions about a product, always read the Product Disclosure Statement (PDS). For home policies, please also read our Key Fact Sheets (KFS) for buildings and contents which set out some of the events/risks covered and not covered by our home policies and other information you should consider. This information does not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for more details.

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