Insurance
Most landlord and home-and-contents policies don't cover short-stay activity. We review what you have, flag the gaps, and point you to brokers who actually understand Airbnb in Adelaide.
At a glance
Most owners are under-insured by default
We read your current landlord or home-and-contents policy and tell you, in writing, where short-stay activity isn't covered. Most policies exclude paying guests entirely. owners rarely know until a claim is denied.
Standard landlord insurance assumes a long lease and a tenant on the books. Short-stay needs different cover for guest damage, loss of income between bookings, and public liability. We help you size the right policy for the property.
Airbnb AirCover, Stayz host protection, Booking.com partner liability. useful, but full of conditions. We explain what each actually pays out, what they don't, and where private insurance still has to fill the gap. (Guidance, not regulated financial advice. we'll refer you to a licensed broker for the policy itself.)
What's included
No "let's circle back on that". Every deliverable inside this service is listed here, plainly, so you know exactly what you're paying for.
01
We read your current policy line by line and produce a written summary of where short-stay activity is. and isn't. covered.
02
Specific gaps flagged: guest damage, loss of income, public liability, theft by guest, building cover during commercial use.
03
What Airbnb AirCover, Stayz host protection, and Booking.com partner liability actually pay out. and what conditions void them.
04
Direct intros to Adelaide brokers who understand short-stay underwriting, with no kickback to us.
05
A yearly nudge to re-review cover as the property's value, mix, or use changes.
06
Where you don't have a broker, we'll introduce you to Adelaide specialists who understand short-stay cover. no commission to us.
How we do it
Every property in the portfolio moves through the same four steps. Repetition is what makes the work consistent. and consistency is what compounds the property's performance over time.
01
You send us your current PDS and certificate of currency. We treat it as confidential, and we don't share it.
02
Within a week you get a written summary: what's covered, what's not, and what the realistic worst-case exposure is.
03
If gaps exist, we connect you with a broker who can quote appropriately. The policy decision stays with you.
04
Each year we prompt a re-review so cover keeps pace with the property and the market.
On the ground
Not a dashboard. Not a call centre. People who know your property, on the ground in Adelaide, executing this service every day of the week.
What we do vs. other companies
Most Adelaide Airbnb managers offer some version of this service. Here is what is actually different about ours.
Insurance literacy
Most managers ·Not their problem; 'check with your broker'
Luxe ·Written policy review and gap analysis included
Platform guarantees
Most managers ·Treated as a substitute for insurance
Luxe ·Explained in plain English with their actual limits
Broker referrals
Most managers ·Commission-driven
Luxe ·No kickback. broker recommendation is in your interest
Insurance only matters once. and that once is usually after something has gone badly wrong. We make sure you've already done the work by then. (Guidance only; the policy itself stays between you and a licensed broker.)
The next step
We will review your property, suburb and short-stay potential, and tell you whether Luxe Managements is the right fit.
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