Short-Term Rental Insurance For Homeowners And Property Owners

Protect your home, one night at a time.

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Did you know that your homeowners insurance likely doesn’t cover short-term rental or Airbnb hosting? That’s why adding Duuo is such a great solution!
Watch this video to see how Duuo works.
What Is Short-Term Rental Insurance?

*Have questions about how the Coronavirus disease (COVID-19) relates to our insurance? Click here for our FAQ 

Short-term rental insurance from Duuo provides property owners with the coverage they need to feel confident when renting out their space. Think of Duuo’s insurance for short-term rentals as the hot fudge on top of your home insurance sundae. You keep your existing home policy, while Duuo fills in whatever gaps a traditional home policy may have in regard to rental activities in your home on platforms such as Airbnb. 

Click here to read Duuo’s short-term rental policy.

At Duuo, 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
When we started hosting on Airbnb we had no idea we needed additional insurance to cover us. Fortunately, Duuo is a great solution because it's pay-as-you-go.
Matt, Gwen, and Neko
- Pet Friendly Airbnb Owners
Do I Need Short-Term Rental Insurance?

I already have a home insurance policy and the rental platform offers protection as well.

While you may have an existing home insurance policy, it’s important to note that many home insurance policies were created before platforms like Airbnb and HomeAway allowed us to rent out our homes. As a result, most home policies do not offer 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 coverage before renting. Click here to read our blog titled 4 things you might not know about the Airbnb Host Guarantee.

Recognizing this market gap, Duuo, a brand of The Co-operators, created a robust short-term rental policy that allows Canadian home and property owners to rent confidently knowing they’re protected.

*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.

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See What Our Customers Are Saying About Duuo!

So far I really like using Duuo. It is a newer offering that I use for my cottage when I Airbnb it. It only charges for the nights I rent, and the coverage is exactly what I was looking for. I don't need commercial insurance when I use Duuo! Highly recommend it.
Wendy MacIntyre
Duuo is a great insurance. I only pay when I need it. You can purchase insurance online and when my barbecue blew up they paid the claim in about 2 weeks. I am very happy, great idea.
John Fortugno
Very simple and easy with an affordable premium rate. Fills the gap related to the short term rental of our cottage that is left by our existing insurance policy. Thank you for a simple solution and piece of mind that you can't find with "traditional" policies.
Gregory Barr
Easy to setup and register new guests. A couple clicks and your done. Great piece of mind knowing you’re covered for a low nightly fee.
Marc Rowsell
Very pleased, so far, with the ease of using Duuo to cover each guest in my Short Term Rental! The process is painless and fast to obtain coverage, and the price is affordable. I truely appreciate receiving an "end if policy" reminder at each checkout! It reminds me to buy another policy for the next guest checking in!
Linda Tomilson
Fast, super easy and convenient. Great coverage for a great price. Will definitely use again.
Alec MacNeill Richardson
Seems like it may be a good extra insurance to have but just make sure you have another insurance policy as well through someone else like Airbnb, etc... you can buy this insurance very easily but you won’t be covered if it’s the only insurance you have as one of the operators on the phone told us.
Pat Cosco
What Does Duuo's Short-Term Rental Policy Cover?

Short-term rental insurance from Duuo includes:

  • $2 million in liability
  • The full replacement cost of your home and its contents
  • An additional 15 coverages specific to short-term rentals including infestation, vandalism, loss of income, and more.

Our affordable policies are based on a per night basis, with an average rate of $6.50 per night!

For more information, check out our policy summary, or read the full policy.

How Can I Purchase Short-Term Rental Insurance With Duuo?

It’s simple! Quickly fill out a few details about your home and the dates you plan to rent, and we’ll email you a quote in a matter of minutes. After that, you can sign up and purchase your policy. The whole experience takes about 5 minutes, making it easy to get covered whenever you plan to rent out your space!

A Few Claims About Our Claims.

Sometimes things just go wrong, but hey, that’s why you purchased insurance for your short-term rental property! We’ve made our claims process straightforward and simple so you can get everything sorted out quickly.

This is Luc, our Head of Claims. He’s a real guy with a hilarious laugh. Luc’s mission in life is to make you say, “Wow, that was so easy!”
When stuff happens, we’ve got you covered. And if really big stuff happens, you’re even covered for loss of income.
If you have a claim, just hop online, and answer a few questions. We’ll take it from there!
Frequently Asked Questions

Got questions? We have answers!

Can I use Duuo in my municipality?

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

Why do I need short-term rental insurance?

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.

Doesn't the short-term rental platform I am using cover me?

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!

What does short-term rental insurance from Duuo Cover?

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.

How do I purchase insurance policies for my clients if I'm a property manager?

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

How can I register my property as being owned by a company instead of a person?

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.”

How much coverage do I get with Duuo?

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.
Why is the dwelling limit on the quote for my insurance policy less than the market value of my home?

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.

Will I have proof of coverage?

Yes, indeed! You can pull up your coverage while logged in to Duuo. Plus, we also send you an email with your policy details.

How much is it?

A Duuo short-term rental policy averages only $6 / night. Click here to get a quote now.

What homesharing platforms do you provide coverage for? What if I don't see my platform?

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 and provide the name of the platform so we can review for possible inclusion.

How far in advance do I have to purchase a policy?

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.

What if I purchase a policy and then need to cancel it?

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:

  1. From the Stays Dashboard, select DELETE on the hamburger menu on the right.
  2. From the Stays Dashboard, select VIEW STAY on the hamburger menu , and then click the ‘Delete stay / policy’ button.
How do I file a claim?

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!