Short-Term Rental Insurance – Protection Against Guest Damage, Without Deposit
Unique insurance – standalone or integrated into check-in. Valid across the EEA, protects without deposit.
Insurance vs. Traditional Deposit
More Coverage. No Conflicts.
Enjoy higher protection limits and full coverage for accidental and intentional damage — without guest disputes or awkward deposit claims.
Fully Automated — Zero Hassle.
Insurance is booked automatically during digital check-in. Guests can opt in at no cost to you, or you can include it in your nightly rate for complete peace of mind.
Securely Backed by Hiscox.
In partnership with Hiscox — a leading global insurer with over 100 years of experience, strong financial backing, and 95% customer satisfaction.
Our coverage – fair and transparent
Prices are calculated per night (plus possible service fees and commissions).
| Maximum coverage amount | € 5,000 | € 10,000 | € 50,000 | |
|---|---|---|---|---|
| Price per night (plus insurance tax) | € 2.82 | € 3.62 | € 4.91 | |
Coverage (Integral deductible €100) | Damage to inventory and buildings at replacement value | |||
| Guest recourse | Only in case of intentional damage | |||
| Additional coverage (up to) | Additional cleaning costs up to € 1,000 | |||
| Artwork and valuables up to € 10,000 | ||||
| Rental loss up to € 5,000 (or 21 days) | ||||
| Pet-caused damage up to € 5,000 | ||||
Furniture & Buildings
We insure accidental and malicious damage to your property. Theft is also insured.
New for Old
We compensate based on replacement value.
Rental Loss
If an insured loss prevents you from renting, we reimburse lost rental income
Pet Damage
Our insurance also covers damage caused by guests' pets.
Cleaning
We cover the costs for additional cleaning to remove stains and smoke odors.
Art & Decorative
We protect all artwork or valuables used for decoration.
How our Insurance compares
| Included in the insurance |  |  |  | Home Contents Insurance |
|---|---|---|---|---|
| No guest liability for accidental damage | ||||
| Bookings through all channels (incl. direct bookings) | ||||
| Protection against rental loss for all bookings | ||||
| Protection against pet damage | ||||
| Damage during commercial rental |
Trusted by hosts and agencies
Over 100 partners and 4,000 properties rely on Stellar Trust
Contact Us
Do you have questions about Stellar Checkin? Our team is happy to help.