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Airbnb and short-term rental insurance for owners who want meaningful protection
Your property is more than a place to stay. It is an investment, a source of income and part of your professional reputation. The right short-term rental insurance helps you protect the property, your income and the operation of your accommodation against risks that an ordinary home insurance policy often does not cover adequately.
Why is ordinary home insurance not always enough?
A property that hosts guests has different requirements from an ordinary home and needs a more specialised insurance approach, particularly when bookings, liability to guests and possible loss of income are involved.
Liability to Guests
One of the most important covers for any short-term rental property. It protects the owner if a guest or a third party makes a compensation claim for an accident inside the property.
Building & Contents Cover
Protection for the property, equipment and contents against risks such as fire, flood, earthquake, theft and malicious damage, depending on the programme selected.
Loss of Income
If insured damage temporarily puts your accommodation out of operation, cover may be available for the financial loss from bookings that cannot go ahead.
Legal Protection for the Owner
Useful cover for disputes that may arise in connection with operating and managing a short-term rental property.
Related articles about Airbnb & BnB
Read guides and useful information about protecting short-term rental properties.
AirCover and BnB Insurance: What Owners in Chania Should Know
How platform protection differs from insurance for the property, its contents, liability and rental income.
Read more
BnB Insurance in Chania: Five Things to Check in 2026
Five practical points for owners using Airbnb or Booking in Chania: liability, property operation, income, guest damage and local support.
Read moreWhat would happen if…?
- A guest slipped by the pool or on the stairs and asked for compensation?
- A kitchen fire forced you to cancel bookings during the busiest part of the season?
- Theft or serious damage occurred at the accommodation during a rental?
In short-term rentals, an unexpected event costs more than money. It can cost bookings, reviews, income and time.
Our Advice
Cover associated with platforms such as AirCover can be useful, but it is often insufficient for comprehensive protection. A properly designed private insurance programme can address meaningful gaps and give you greater confidence as an accommodation owner.
Request a BnB ReviewReady for the new season with more suitable protection?
Every property has different needs, depending on its location, the type of accommodation and its level of risk. We help you identify which covers make real sense for your own accommodation in Chania.