Short-term Rental Insurance for Homeowners and Property Owners
Protect your home, one night at a time.
You can think of short-term rental insurance from Duuo like the hot fudge on top of your insurance sundae. You keep your existing home insurance policy, and then Duuo provides coverage for your short-term rental or Airbnb bookings. Just turn it on before your guests arrive and then turn it off when they leave. So easy!
Click here to read Duuo’s short-term rental policy.
We require all short-term rental hosts to follow all applicable bylaws outlined by their municipal government and supported hosting platforms in order to benefit from Duuo’s short-term rental insurance policy. Should you have any questions, feel free to send us an email at info@duuo.ca.
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If you think about it, exciting platforms like CanadaStays, Airbnb, and many others just didn’t exist when home insurance policies were designed. Unfortunately, this has now created gaps in coverage that are leaving many hosts vulnerable. That’s why Duuo was developed by The Co-operators.
The first thing you should know is that in general, most homeowners insurance policies do not include coverage for short-term rental activity (like hosting guests in your home).
Secondly, some platforms, such as Airbnb, do provide hosts with protection programs like The Host Guarantee and “Host Protection Insurance”.
While these programs are a good start, they aren’t meant to replace an actual insurance policy. In fact, most platforms (including Airbnb) encourage hosts to get their own insurance.
Short-term rental insurance from Duuo includes $2 million in liability, the full replacement cost of your home and its contents, plus an additional 15 coverages specific to short-term rentals including infestation, vandalism, loss of income, and more.
*Individual circumstances may vary. You may wish to contact the licensed insurer’s representative or a licensed insurance agent if you need advice about your insurance needs.
Hey, stuff happens. But isn’t that the whole point of having insurance? Of course! That’s why filing a claim with Duuo is fast, easy, and online.
Got questions? We have answers!
We require all Duuo clients to adhere to all applicable bylaws outlined by their municipal government in order to benefit from Duuo’s short-term rental insurance policy.
Additionally, we expect our clients to follow all applicable guidelines and requirements of our supported platforms (VRBO, Airbnb, etc).
If you have further questions, please don’t hesitate to reach out to our team at info@duuo.ca.
Everyone who rents all or part of their home on a short-term rental platform should have insurance. It’s also important to keep in mind that homeowners insurance policies have many restrictions and conditions regarding the use of your home as a business. That’s why the short-term rental (or homeshare) of your residence is generally not covered by homeowners policies. Fortunately, now there’s Duuo! Duuo provides short-term rental insurance coverage for the time you’re renting your home, not a minute more.
Unfortunately, the host protection “programs” offered by some platforms are not the same thing as having a true insurance policy in your name. This can leave you vulnerable as a home owner because as we mentioned above, short-term rental activity is generally not covered by traditional homeowners policies. Plus, nearly all of the major rental platforms encourage their hosts to get their own protection. Want to learn more? We wrote a blog about it!
Short-term rental insurance from Duuo includes $2 million in liability, the full replacement cost of your home and its contents, plus an additional 15 coverages specific to short-term rentals including infestation, vandalism, loss of income, and more. Click here to view a summary of the policy.
We love working with property managers, because like us, you have the host’s best interests at heart! You can start by simply creating a separate Duuo profile for each property owner.
Please remember that you must have permission from the owner of the short-term rental property to purchase this insurance policy on their behalf.
We welcome any feedback on how we can meet your particular needs through future enhancement to our site. If you have any suggestions to help us meet those needs, just contact us at info@duuo.ca.
We’ll be improving this experience in the very near future, but for now please just split the company name into two parts and enter them into the “First Name” and “Last Name” fields.
For example, First Name: “Heavenly”, Last Name: “Lofts Inc.”
Here are a few highlights:
- Property insurance is covered to the full replacement cost of your home, additional structures, and all contents.
- Commercial liability to a limit of $2,000,000
- The policy also includes coverage for things like infestation, loss of income, breakage of valuables, damage to electronics, theft, and more.
Good question! The market or “resale value” of your home is typically the price that someone is willing to pay to purchase your home and the land on which your home has been built. The dwelling limit of your insurance policy quote is based on what it may currently cost to replace or rebuild your home, and excludes the value of the land.
Yes, indeed! You can pull up your coverage while logged in to Duuo. Plus, we also send you an email with your policy details.
A Duuo short-term rental policy averages only $6 / night. Click here to get a quote now.
There are a growing number of short-term rental platforms like Airbnb, HomeAway, and CanadaStays that are used by hosts for homesharing. Duuo provides coverage for users of these platforms and many others. In fact, our list is always growing!
You’ll be provided with the full list of platforms to choose from each time you login to your free Duuo account.
If you find you are using a platform/provider not included in that list please contact our Customer Support Team at helpme@duuo.ca and provide the name of the platform so we can review for possible inclusion.
You can purchase a policy up to midnight of your guest’s first arrival date. But if you want to plan ahead, you can purchase policies all the way up to one year in advance.
Policies may be cancelled for a full refund up to midnight of the scheduled policy start date (your guest’s arrival date).
Once you’ve logged in to Duuo, you can cancel your policy in one of two ways:
- From the Stays Dashboard, select DELETE on the hamburger menu on the right.
- From the Stays Dashboard, select VIEW STAY on the hamburger menu , and then click the ‘Delete stay / policy’ button.
Easy! Just log in to your Duuo account, and then enter your claim right through the homeshare dashboard. You’ll be asked to provide a few details of what happened and then we’ll get started!