Airbnb Insurance & Risk Advice

Protect Your Rental Business with the Right Cover

We help Airbnb and holiday let hosts understand what insurance they really need and connect them with trusted local providers who offer tailored, compliant cover.

  • Understand your exposure and coverage requirements
  • Avoid common gaps in guest, building & liability protection
  • Access local insurers experienced in short-term rentals
  • Support for foreign and company-owned properties

A Division of Expat Tax Thailand

Airbnb Insurance & Risk Advice in Thailand

Airbnb & Holiday Lets Insurance & Risk Advice

Be Prepared, Stay Protected—So You Can Host With Confidence

Thailand’s rental market can be unpredictable—damaged property, injured guests, neighbour complaints or local enforcement action can happen without warning. Many hosts operate without proper insurance or rely on policies that don’t actually apply to short-term stays.

At Host Tax Thailand, we don’t sell insurance, but we make sure you’re asking the right questions. We assess your exposure, explain your obligations and introduce you to trusted providers who can help you get the right protection in place.

Is This Service for You?

  • You want to understand what insurance is legally required or strongly advised
  • You’ve been relying on personal or basic landlord cover
  • You’ve never reviewed your policy’s suitability for short-term lets
  • You want to avoid gaps in liability or compliance coverage
  • You’re planning to scale and want to manage risk more proactively

What’s Included

One-on-one review of
your property and rental
business

Guidance on risks
specific to short-term
lets in Thailand

Explanation of legal
obligations and common
claim scenarios

Introduction to trusted
local insurance brokers
and partners

Support evaluating policy options and comparing offers

Optional coordination with legal or business structure planning

Why Airbnb Hosts Choose Rental Tax Thailand

flip-box-image

Insurance Support
Built for Airbnb Hosts

We focus on the risks and needs unique to short-term rentals.

flip-box-image

Protect Your Property
with Confidence

Our practical advice helps you avoid costly mistakes and gaps in cover.

flip-box-image

Trusted
Insurance Partners

We work with providers who understand the Airbnb and villa rental market.

flip-box-image

Independent,
Unbiased Advice

No sales pitch—just honest guidance tailored to your situation.

flip-box-image

Backed by
Expat Tax Thailand

We’re part of Thailand’s most trusted expat tax firm, with deep experience in property taxation.

What Our Clients Say

Frequently Asked Questions

Insurance

Category: Insurance

Yes. Standard home or landlord policies often exclude short-term rental activity.

Category: Insurance

While not always mandatory, it’s strongly advised—especially liability and property coverage.

Category: Insurance

Yes. We can connect you with insurers who work with foreign landlords and offshore ownership.

Category: Insurance

No problem—we’ll help you understand what’s needed for business-held assets.

Category: Insurance

No—we’re not brokers. But we advise you clearly and introduce you to trusted, rental-specific providers.

Category: Insurance

Yes—special insurance is strongly recommended if you’re hosting on Airbnb in Thailand. Standard home insurance usually doesn’t cover short-term rentals, as hosting is seen as a commercial activity.

Look for a short-term rental insurance policy or a commercial property plan that covers damage, theft, guest injuries and liability. Airbnb does offer AirCover, which includes up to $3 million USD in property damage protection and $1 million USD in liability cover. However, it’s secondary insurance, meaning it only kicks in after your own policy—and it doesn’t cover everything, such as natural disasters or guest cancellations.

For better protection, check with local insurers like Thai Pao or Allianz Thailand. They offer policies specifically for hosts, with coverage for guest-related damage, lost income and legal issues. This is especially important in places like Bangkok or Phuket, where condo rules or villa management standards may apply.

When choosing a policy, think about the risks linked to your property. Condos may need cover for shared spaces, while villas with pools or large outdoor areas face different risks. Always tell your insurer you’re hosting on Airbnb—if you don’t, they could refuse to pay out.

Also, check that your insurance meets Thai legal requirements. For example, under the Hotel Act 2004, some types of short-term rentals may need extra cover.

To protect yourself further:

  • Use Airbnb’s security deposit option to cover minor damage

  • Keep good guest records in case you need to make a claim

  • Review your policy regularly to keep up with changes or guest feedback

The right insurance gives you peace of mind.

We are not insurance brokers, but maintain a network of specilaist insurers in Thailand to connect with them , please complete our insurance solutions form.

As an Airbnb host in Thailand, you take on several responsibilities—and potential risks—related to guest safety, property damage and legal compliance. If these aren’t properly managed, they can lead to fines, legal issues or financial loss.

Guest Safety
You’re responsible for making sure your property is safe. This includes working utilities, secure locks, and no obvious hazards like exposed wires or slippery floors. If a guest is injured during their stay, you could be held liable.

Property Damage
Guests might damage furniture or fittings, either accidentally or deliberately. Airbnb offers AirCover, which includes up to $3 million USD in damage protection, but this is subject to conditions and may not cover everything. It’s wise to have your own short-term rental insurance from a local provider, such as Thai Pao, to fill any gaps.

Neighbour and Building Complaints
Short-term rentals in condos can be controversial. Many buildings have rules against them, set by the juristic person (the condo’s management committee). Hosting without permission can lead to fines or legal action. In standalone houses, local laws may also apply.

Legal Compliance
You must follow Thai regulations, including:

  • Registering your property under the Hotel Act 2004 if you’re operating as a short-term rental

  • Submitting TM30 reports within 24 hours of a foreign guest’s arrival

  • Paying income tax on your rental earnings

  • Registering for VAT if your income exceeds 1.8 million THB per year

Failure to meet these requirements can result in penalties or further legal issues.

Don’t wait until something goes wrong—get the protection your rental business needs