Protect your short-term rental property—and your income—with insurance designed specifically for hosts. Running an Airbnb can be a smart way to generate extra income, but it also comes with risks that standard home insurance doesn’t cover. From guest damage and liability claims to theft, fire, or unexpected cancellations, having the right protection is essential. Regal Insurance helps Ontario hosts find tailored Airbnb and short-term rental insurance from Canada’s top providers—fast, simple, and built around your property, your booking habits, and your hosting style.
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Renting out your home, condo, or investment property on Airbnb or other short-term rental platforms exposes you to unique risks. Standard homeowner’s insurance typically does not cover short-term guest stays, leaving gaps that could cost thousands.
As an independent insurance brokerage, Regal Insurance works for you—not the insurance companies. We compare Airbnb insurance quotes across Canada’s leading providers to help you secure the right coverage for your rental property, whether it’s a full-time Airbnb, a seasonal vacation home, or a single spare room.
Whether you’re listing your first unit or managing multiple short-term rental properties, we’re here to help you stay protected and profitable.
Reach out today for your free Airbnb insurance quote.
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Covers lost income if your business is forced to temporarily close due to insured events like fire or equipment breakdown.
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Covers legal costs and damages if your product or service causes harm, loss, or injury.
Specialized coverage for commercial landlords, property managers, and vacant landowners across Ontario.
Insurance packages designed for storefronts, restaurants, spas, and hotels—covering everything from inventory to liability.
Commercial insurance doesn’t need to be confusing. At Regal Insurance, we simplify the process by comparing quotes from top Canadian providers to find the right protection for your business, assets, and operations.
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Airbnb insurance fills the large and often invisible gap between a traditional homeowner’s policy and a full commercial rental policy. While your home insurance protects you as an occupant, it typically excludes short-term rental activity—meaning guest-caused damage, liability incidents, or booking-related losses can leave you fully exposed.
Think about a few real Airbnb scenarios. A guest throws a party and causes thousands of dollars in damage; your standard policy may deny the claim. A visitor slips on your deck stairs and breaks their ankle; your personal liability coverage wasn’t designed for paying guests. Or, if a pipe bursts in winter and ruins the furnished basement suite you rent out, the income you relied on disappears overnight—and without proper coverage, you’re absorbing the loss personally.
A dedicated Airbnb or short-term rental policy is built to close these gaps. It helps Ontario hosts protect their property, their rental income, and their financial security from the unique risks that come with hosting travellers, vacationers, or weekend guests.
Protects the physical structure of your Airbnb unit from guest-caused damage, fire, water-related incidents, or vandalism. This includes walls, flooring, fixtures, and built-in elements. For example, if a guest leaves a pan unattended and starts a kitchen fire that spreads through your unit, this coverage ensures you aren’t paying for repairs out of pocket.
Covers furniture, décor, electronics, linens, and other items stocked for guest use against theft, fire, or accidental damage. It also protects high-turnover essentials that are more prone to loss in short-term rentals. If a guest steals valuables or destroys a new smart TV during their stay, contents coverage helps you replace it without dipping into future bookings.
If a guest, visitor, or service provider is injured on your property—or accidentally causes damage to surrounding units—you could face lawsuits or medical claims. Short-term rental liability pays for legal defense, settlements, and medical expenses. For instance, if a guest slips on icy outdoor steps and files a claim, your personal home policy won’t respond—but your Airbnb liability coverage will.
If a fire, flood, or other insured event makes your Airbnb unlivable, this coverage replaces the rental income you would have earned during the repair period. For hosts who rely on consistent bookings to offset mortgage or condo fees, this protection can be the difference between a temporary setback and a major financial hit.
Short-term guests come and go frequently, which increases the risk of intentional damage or theft. This add-on protects you from deliberate acts—like a guest vandalizing a room or walking off with expensive electronics—and covers losses that standard theft coverage might not include.
Amenities such as pools, hot tubs, fire pits, saunas, or fitness equipment introduce higher liability exposure. This endorsement provides increased limits and specialized coverage for hospitality-related risks. For example, if a guest injures themselves using your backyard hot tub, this add-on ensures you’re protected.
With constant turnover, lost keys and compromised lock codes are common. This coverage pays for rekeying, replacing smart lock hardware, or repairing damaged entry systems. If a guest fails to return a key or shares a keypad code, you can update the system without paying out of pocket.
Perfect for cottages, chalets, or vacation properties that rent seasonally. This add-on protects your home during periods with no guests—when risks like undetected water damage, break-ins, or weather-related issues increase. It ensures your property is protected even when you’re not hosting.
We partner with Canada’s top auto insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
Airbnb insurance doesn’t need to cut into your hosting profits. By choosing coverage aligned with your property type, occupancy levels, and risk exposure, you can keep premiums manageable while staying fully protected. Regal brokers help Ontario hosts find smart, effective ways to reduce costs without sacrificing essential coverage.
Combining your home, secondary property, or landlord insurance with your Airbnb policy under a single provider can unlock meaningful discounts. For example, if you rent a basement suite while living in the main home, bundling both policies often reduces administrative fees and overall premiums.
A higher deductible typically lowers your monthly premium—but only if you’re comfortable covering the deductible amount in the event of a claim. If your Airbnb is booked regularly and generates consistent revenue, selecting a moderately higher deductible can help you keep annual costs down.
Policies are often priced by occupancy. If your Airbnb is part-time, seasonal, or only booked during peak months, choosing a policy structured around actual hosting frequency can significantly reduce premiums compared to full commercial-style coverage.
Smart locks, exterior cameras (compliant with Airbnb rules), smoke detectors, water sensors, and clear house rules demonstrate responsible hosting. Insurers reward these risk-mitigation steps with better rates because they reduce the likelihood of costly liability or property claims.
Your Airbnb listing might expand, gain new amenities, or change occupancy levels over time. An annual review ensures you’re not paying for outdated coverage—or unknowingly underinsured as your hosting business evolves.
Want more insights on how to reduce insurance costs for your business? Visit our Help Centre to explore practical guides on policy optimization, risk management, and commercial insurance best practices.
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Airbnb insurance extends protection to properties used for short-term rental hosting. A standard homeowner’s policy usually excludes or limits coverage when you rent to paying guests, so specialized short-term rental insurance is essential. It typically includes:
It’s important to note that without Airbnb insurance, claims involving paying guests may be denied under your standard home policy.
No, it’s not legally required in Ontario. However, many mortgage lenders, condo boards, and municipalities require proof of appropriate short-term rental coverage before allowing Airbnb activity. Platforms like Airbnb also expect hosts to meet local insurance requirements to remain compliant.
Even without a formal mandate, carrying Airbnb insurance is a prudent safeguard—one liability claim or guest-caused incident can result in significant financial loss without proper protection.
Any homeowner or property investor renting space on a short-term basis should consider Airbnb coverage. This includes:
Even if your rental activity is occasional, one guest incident can lead to high out-of-pocket costs without proper insurance.
Premiums depend on property type, location, and occupancy frequency. A small condo rented occasionally may cost as little as $300–$600 per year, while larger cottages or homes used year-round may pay $1,000 or more. Amenities such as hot tubs, waterfront access, or fire pits can also influence the total cost.
Optional add-ons—like enhanced liability, amenity coverage, or seasonal vacancy protection—may increase your premium slightly but provide broader protection.
Several factors determine cost, including:
A broker can help structure coverage to reflect your actual hosting activity while minimizing unnecessary costs.
Yes, there are several strategies:
Working with a broker ensures you balance cost savings with sufficient protection.
Homeowner’s insurance covers your personal dwelling and belongings, but it typically excludes losses that occur when hosting paying guests. Airbnb insurance fills that gap by protecting your property, contents, income, and liability exposures tied to short-term rental activity.
Without Airbnb insurance, claims linked to guest stays may be denied, leaving you responsible for repairs, medical bills, or legal costs.
Yes. Liability coverage extends to accidents involving guests, visitors, or delivery personnel accessing your rental property. For example, if a guest slips on wet stairs or injures themselves using household amenities, your Airbnb policy can cover medical costs and legal expenses.
Without this coverage, you may be personally responsible for bodily injury or property damage claims.
Yes. Even if you manage your rental remotely, you still face exposures such as property damage, guest injury, unauthorized parties, or lost rental income. Many policies also offer cyber-related add-ons—for example, coverage if a smart lock or digital access system is compromised.
Equipment stored on-site, such as smart devices, security hardware, or home electronics, is also covered under contents protection.
Coverage levels vary depending on property type and rental frequency. Many hosts begin with $1 million–$2 million in liability coverage, though properties with pools, hot tubs, or waterfront access may require higher limits. Hosts with high-value furnishings or luxury rentals may also need elevated contents limits.
A broker can help determine appropriate building, contents, and liability limits for your hosting model.
Yes. Many insurers allow you to combine home, Airbnb, landlord, and even auto coverage into a single package. Bundling simplifies renewals, consolidates your insurance under one provider, and often results in lower premiums overall.
This is especially beneficial for hosts with multiple properties or mixed residential-and-rental usage.
Absolutely. Regal Insurance offers personalized service through our licensed Ontario brokers. Whether you need to review your current coverage, adjust limits, or ask about future rental plans, you can reach us by phone, email, or book an in-person consultation.
We’re here to support you—whether you host occasionally or manage multiple Airbnb properties.
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