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 & 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
Insurance Support
Built for Airbnb Hosts
We focus on the risks and needs unique to short-term rentals.
Protect Your Property
with Confidence
Our practical advice helps you avoid costly mistakes and gaps in cover.
Trusted
Insurance Partners
We work with providers who understand the Airbnb and villa rental market.
Independent,
Unbiased Advice
No sales pitch—just honest guidance tailored to your situation.
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
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.