Airbnb & Short Stay Insurance

Liability insurance is mandatory for all NSW short stay properties from 18/12/2020. 

Read about it here

We know Short Stay 

Ceneta Insurance Services are specialists in Airbnb & short stay property insurance. Our brokers have years of experience as short stay property owners and managers, so we understand what's important to short stay landlords and property agents.  Can other brokers say that?

Get a quote

Why do you need short stay insurance?  Doesn't Airbnb insurance cover you?  Find out here...

Visit our INSIGHTS page for lots of helpful information about insurance for Airbnb & short stay properties

Entire Homes

Your property is a freestanding house, townhouse or other structure that requires Building & Contents cover.

We will need details about the property in order to prepare a quote for you, so please click below to complete our easy questionnaire.  It's the quickest way to get a quote. 

In-home hosting

If you are hosting paying guests in your primary residence, we now have the perfect solution for you.  It's a combined Home and Business cover that gives you the best of both worlds, and is even suitable for those who are renting!  Features include Public Liability, Malicious Damage, Theft by Tenant, Loss of Rent & more.


You let a whole apartment on Airbnb or other short stay platforms.  If the apartment is covered under strata, then you only need Contents & Public Liability insurance.

For great value cover, see the HostRite apartment insurance policy below.  If you want a higher level of cover, click here to get a quote.


Airbnb/Short Stay Apartment Insurance

Contents & Public Liability cover only

If you are after a well-priced product that covers all of the most common Airbnb/ short stay risks, this is the product for you. 

This is a fixed benefit listed events product that is flat-priced per state.



  • The property is an apartment where the building is covered under strata

  • It is not your primary residence

  • It has deadlocks to external doors or secure building entrance

  • It has locks on any accessible windows (from 1st floor up)

  • If subletting, you must have the Landlord's permission in writing


  • $30,000 Contents cover included

  • Pay $20 more premium to upgrade to $60,000 Contents cover

  • $50,000 Damage by tenants

  • $30,000 Fusion

  • $100 Excess on any of the above

  • $50,000 Loss of rent, no excess

  • $20m Public Liability, no excess

  • Underwritten by Lloyds of London

  • Suitable for sub-letting



This is a basic Listed Events policy that does not include Accidental Damage or Theft by Tenant cover.

If you need more comprehensive cover, please see the Get A Quote section above.

Annual premium, flat price per state:

VIC & TAS         $255  

NSW                  $395

QLD & ACT       $305

WA & SA           $285

This information is general advice only, please consider the PDS.
Refer to the FSG on our website for our services and remuneration details.


Some handy calculators

Not sure how to calculate the replacement value of your Building or Contents?

There are many calculator tools available online to assist with this important task.  Here are a couple of links.  Please note that these do not belong to Ceneta - they are third party calculators.  You can search for more calculators online if you want a second opinion.

Building Calculator

What is your Building worth? Find out here

Contents Checklist

Contents Calculator

What are your Contents worth?
 Find out here


Typical building replacement costs are provided by Reed Business Information Pty Ltd (A.B.N. 80 132 719 861) trading as Cordell Information (‘Cordell’) and typical building contents replacement costs are provided by Sum Insured Pty Ltd (A.B.N. 55 947 630 521 (‘SI’) trading as Home Contents. Whilst every care is taken to ensure the accuracy of the information as a guide for costing, no responsibility is accepted by either Cordell, SI, Steadfast or the Steadfast Broker for its accuracy. Please check with an Architect, Builder, Quantity Surveyor, Valuer or other suitably qualified professional for an accurate estimate. Neither Steadfast nor the Steadfast Broker takes any responsibility for the costs provided by Cordell or SI nor any liability for the accuracy of or reliance upon or use of, the costs. To the fullest extent permitted by law, Cordell, SI, Steadfast and the Steadfast Broker expressly disclaim all warranties, express or implied, including, but not limited to, the implied warranty of fitness for a particular purpose. Cordell, SI, Steadfast and the Steadfast Broker do not warrant or make any representations regarding the use or the results of the use of the information provided in terms of its correctness, accuracy, reliability, or otherwise.

1300 158 911

© 2018 by Ceneta Insurance Services Pty Ltd.

ABN 78 133 436 254 | AR 332815

Authorised Representative of PSC Connect Pty Ltd
ABN 23 141 574 914 | AFS License No 344648

PO Box 178 Altona North VIC 3025

Ceneta Insurance Services endorses the Insurance Brokers Code of Practice.

To obtain a copy of the code click here

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Disclaimer : The information provided by Ceneta Insurance Services Pty Ltd on this website is for general information purposes only, and it is not a substitute for professional advice.  You should always consider the PDS/Policy wording before making a decision.  Coverage may differ based on specific clauses in individual policies.  Refer to the FSG on our website or by requesting a copy for our services and remuneration details.