What is AirCover?
Airbnb provides AirCover for Hosts on every booking at no extra cost. This includes liability cover for guest injury and third-party property damage, as well as damage caused by guests to your home or belongings.
However, coverage limits and exclusions leave gaps that can be closed by taking out a dedicated insurance policy for short-term lets.
What’s covered by AirCover
Covered and not covered comparison
Covered
- Guest-caused damage
- Deep cleaning
- Lost income from cancellations
- Host liability insurance
- Damage caused by pets
Not Covered
- Wear and tear
- Standard cleaning
- Weather and natural disasters
- Non-guest and off-platform damage
- Physical cash theft
| Covered | Not Covered |
|---|---|
| Guest-caused damage | Wear and tear |
| Deep cleaning | Standard cleaning |
| Lost income from cancellations | Weather and natural disasters |
| Host liability insurance | Non-guest and off-platform damage |
| Damage caused by pets | Physical cash theft |
Note: AirCover does not reimburse stolen cash under any circumstances – even with proof.
Is this enough cover?
This may be enough cover if you rent out a spare room occasionally.
But for hosts who let an entire property and have frequent bookings, a more comprehensive policy may be necessary. This can be arranged separately, either as an add-on to your existing home insurance, or as a standalone policy from an insurer that covers short-term letting.
Get a quote for Airbnb insurance
Compare Airbnb insurance quotes from providers who cover short-term letting in Ireland.
Additional cover for Airbnbs
Additional Airbnb insurance can cover both the building and its contents while it’s being rented out. Cover varies by provider, but most policies draw from the same core set of protections.
Home emergency and loss of income: Some policies offer 24-hour emergency call-out cover, and pay out if an insured event forces you to cancel a confirmed booking.
Legal liability protection: Cover for legal costs if a claim arises from an Airbnb rental, beyond AirCover’s own liability limits.
Structural protection: Covers damage to the building itself from storms, fire or flooding – events which are not insured by AirCover.
Tip: Holiday home and Airbnb policies require you to inspect the property regularly when it sits empty. Allianz sets this at every 35 days, and cover for damage during that period can be refused if the inspections have not been carried out.
How much does Airbnb insurance cost?
The cost of Airbnb insurance in Ireland varies depending on the property’s location, value, how often it’s rented out, and the level of cover you choose.
We gathered quotes for a property in the final week of July 2026 to find out typical costs for a sample property. Premiums ranged from €510 to €696, showing the importance of comparing multiple insurers before making a decision.
Quotes for Airbnb in Co. Wicklow
ROOMS
4 bed
HOUSE TYPE
Detached bungalow
SIZE
93 sq.m
CLAIMS
5 years no claims
- Buildings cover: €240,000
- Contents cover: €25,000
- Excess: €250
Provider and buildings and contents cover comparison
| Provider | Buildings & Contents Cover |
|---|---|
| Allianz | €510 |
| Aviva | €652 |
| Zurich | €635 |
| Axa | €696 |
These quotes cover a whole property let. Providers price the same way they do for standard home insurance, but with commercial letting factored in: location and local claims history, the number of bedrooms and guests, and how many nights a year the property is let.
How does your property stack up?
Premiums vary between providers for the same cover. Compare insurance quotes today for your short-term let to get the best deal.
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Types of Airbnbs
How you list your property changes the risk an insurer takes on, and the cover you need to close the gap AirCover leaves. Guest numbers, how often the property turns over, and whether you stay on-site during a booking all feed into the terms you are offered.
Letting an entire property removes the oversight an on-site host provides, so buildings and contents cover, along with liability, matters most here. A dedicated Airbnb insurance policy or a bespoke non-standard policy suits a whole-property let better than a standard home policy adapted after the fact.
Hosting a guest in a private room while you stay on-site is lower risk than letting the whole property, and some insurers will note this on an existing policy rather than requiring a new one. Contents cover for the room and liability cover for the guest’s stay are still worth confirming with your provider.
A shared room, where guests stay alongside other guests or the host in the same space, carries its own liability considerations given the number of people present at once. Confirm with your insurer whether cover extends to guest-to-guest incidents, not just guest-to-host ones.
Unique stays such as glamping pods, treehouses or converted vehicles often fall outside standard buildings cover entirely, since the structure itself isn’t a conventional home. These need a policy written for non-standard structures, confirmed directly with a provider before listing.
Superhost status usually means a higher volume of bookings and more guest turnover, which raises the overall risk an insurer is pricing for. Confirm liability limits and loss-of-income cover scale with the number of bookings you’re running, not just with the property itself.
Who offers Airbnb insurance in Ireland?
Insurance for Airbnbs and short-term rentals in Ireland can be taken out with a number of Irish insurers, but some providers only offer these specialist policies through a broker. Providers include:
Allianz Ireland
AXA
Aviva
Zurich
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Frequently asked questions
Standard home insurance in Ireland is written for owner-occupied homes. Once you host paying guests, your insurer needs to know, or a claim can be declined and the policy voided.
Not always. Airbnb insurance can be sold as holiday home insurance by providers, but some policies exclude short-term letting outright.
Yes. Every Irish policy carries a duty of disclosure, and letting is a material change. Failing to declare it gives the insurer grounds to reject a claim, cancel the policy, and record the decision against you for future applications.
Only if you declare it. Most policies are written for private and family use, and renting out your property to paying guests needs to be noted before cover applies. Some insurers add it as an endorsement, while others exclude short-term letting entirely. Ask for written confirmation before you list.
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