Property and contents
Ask how the building, furniture, equipment and guest-related damage are addressed. Check limits, valuation, deductibles and excluded causes.
Business insurance
Airbnb insurance. Prepare your host coverage review.
Hosting a room, a second property or several short-term rentals? Bring the whole arrangement into view before comparing insurance: the building, bookings, guests, income and people who help you operate.
20%
What could a lower premium mean for you?Illustrative example: $2,400 → $1,920 per year is $480 less. Not an available offer. Try your own numbers →
Short stays. Different risks.Review how your property is used
Guests, property and liability.Ask about short-term rental cover
Live examples
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
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What should an Airbnb host prepare?
A short-term rental insurance discussion should describe the property as it is actually used, including activity beyond one booking platform.
Property and occupancy
- Identify the insured address, ownership and building type.
- Explain whether you live there, rent individual rooms or rent the whole property.
- Describe guest areas, amenities, security and maintenance arrangements.
Bookings and operations
- List each platform and any direct bookings.
- Describe the expected rental frequency, guest capacity and seasonal use.
- Identify managers, cleaners, maintenance providers and any services offered.
Current documents
- Prepare the existing home, landlord or commercial policy.
- Bring relevant lease, condominium, lender and operating requirements.
- Have contents values and the income information requested by the provider ready.
Use the Airbnb and short-term rental insurance guide for the wider coverage comparison, or review landlord insurance when discussing other rental arrangements.
Separate the questions behind the hosting risk.
Avoid treating a platform benefit, property policy and liability policy as interchangeable. Ask the provider how the actual wording fits each exposure.
Guest liability
Discuss allegations of injury or property damage involving guests and visitors. Confirm the insured activities, parties, limits and applicable exclusions.
Rental income
Ask which event must occur before an income-related coverage responds, how the amount is determined and which waiting periods or limits apply.
Business support
Explain the role of property managers and service providers. Ask who needs their own insurance and which contract requirements should be reviewed.
Airbnb host insurance: practical answers.
Bring these questions to the provider before the next guest arrives.
Does Airbnb protection replace my own insurance review?
Airbnb distinguishes Host damage protection from insurance. Read the platform terms and your own policy separately, then discuss gaps or overlaps with the licensed provider. See the Airbnb host damage protection guidance.
Should I tell my home insurer before taking short-term bookings?
Describe the proposed rental use before relying on the existing policy. Ask the provider to confirm whether that activity can be covered and whether different terms or a different product are needed. Do not assume that a standard home policy automatically covers paid hosting.
What if I accept bookings outside Airbnb?
Tell the provider about every channel, including direct bookings and other platforms. Ask which protection applies to each arrangement and how the wording treats periods between stays.
How do I compare Airbnb insurance quotes?
Use the same property, occupancy and business details across requests. Compare the insured activities, property values, liability limits, income wording, deductibles and annual cost. Ask the provider to explain any material differences.
Can I use another host's premium to budget my policy?
Another host may have different property, occupancy, limits and claims information. A public example cannot determine your eligibility or final premium. Use an individual quote and review what it actually includes.
Be prepared
Claims scenarios: what happens next?
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
A customer alleges an injury
Scenario: Someone alleges an injury arose from the business operations.
What happens next: Preserve incident records and notify the insurer. Declared activities, liability wording and the facts determine whether a policy responds.
Equipment is damaged
Scenario: Equipment used by the business is damaged or stolen.
What happens next: Document ownership, location and cause. Ask the insurer to review the insured property, exclusions, valuation and deductible.
Operations are interrupted
Scenario: Damage prevents the business from operating normally.
What happens next: Keep revenue and expense records. Business interruption depends on the insured trigger, selected coverage and applicable terms.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
