On-demand home rental insurance  By

On-demand home rental insurance

As the home sharing economy continues to grow, so do accompanying services. A more recent development has been on-demand insurance for home rentals. This additional service can bring peace of mind for your property while you rent it out- generally protecting you from covered events such as theft, damage, and more. Most members of the Sabbatical Homes community are like-minded individuals who are ethical and will want to replace what they broke. We entrust our community to engage with each other with decency and dignity, but it’s never a bad idea to have an additional layer of protection.

We’ve compiled a resourceful list of home insurance companies for home rentals below:

Belong Safe 

Belong Safe is currently only available in the UK (underwritten by Hiscox).

Share Cover 

ShareCover offers tailored insurance that protects you from risks associated with having a guest in your property. It is currently available in AUS, NZ, & Asia  and is underwritten by Insurance Australia Group (IAG).


Peers.org is an insurance and benefits marketplace for the international freelance community. The Proper Insurance policy offered via Peers.org replaces a homeowner’s, dwelling or landlord policy. It is written as a business policy, giving the short-term vacation rental owner comprehensive coverage for their building(s), contents, commercial business liability, and business income. It also includes personal liability when the rental “doubles” as the owners primary residence. It is underwritten by Lloyd’s of London and available internationally.


Comet is the only association in the US dedicated to home-sharing and short-term rental insurance. Their national membership reaches all 50 states in the US and members enjoy unique products, services, and discounts for all of their home-sharing specific needs.


Optimum is currently only available in Canada for “revenue properties,” it is a higher cost option.

Square One

Square One is currently only available in Canada for “short term rentals” it is a lower cost option.


CBIZ is an established vacation rental insurance company. They refer to themselves as “America’s Leading Insurer of Vacation Rental Properties.”

When engaging with any insurance company, it’s a good idea to ask detailed questions about what they truly cover. If you have had experience with any of these companies, we welcome your feedback in our comments section below.

More external information at this link. (curated by a commercial entity which may earn a commission on the services purchased)

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1 Comment

  1. I have a question! I am forced into a post occupancy agreement with the seller of the home I hope to buy. The insurance carrier I have will not cover my home until I am living in it. A big problem for my mortgage as I need adaquate insurance to acquire the loan. From what I have read on other forums, Comet and its Landlord policies are to be supplimental coverage, and not meant to replace actual Home Owners coverage. I do not even know what requirements are for my mortgage company. I only need 30 days tops. And the seller does not currently have home owners insurance! It seems like a big mess. Maybe a deal breaker for the mortgage company. Until this, I never heard of a post occupancy agreement.

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