Short-term rental
field notes.
Insurance & risk / Educational answer

How do I check whether direct bookings are covered?

Published October 1, 2026 · 1 minute read

The answer

Ask about reservations obtained outside major platforms and read the relevant policy wording. Platform-specific programs may have booking-channel conditions, while your own policy has its own scope. Do not assume that coverage follows the property regardless of how a guest booked.

Clarify payment handling, agreements, amenities, and the parties operating the stay. Revisit the question when adding a new channel.

Further reading

These resources provide additional context. Check the official rules and documents that apply to your own situation.

This answer is general education. Apply it to the property's actual location, agreements, and circumstances. Where a decision requires professional advice, use a qualified adviser.

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