Protect your rental with insurance designed for Airbnb hosts!

What is Short-Term Rental Insurance for Airbnb hosts?

Duuo’s Short-Term Rental Insurance for Airbnb hosts bridges the gap between a standard home insurance policy and Airbnb’s built-in coverage. Duuo was designed to provide affordable, online solutions for Canadians participating in our ever-growing digital economy.

Hosts can purchase coverage directly online and on-demand, only paying for the days they actually need their home to be covered!

Click here to read Duuo’s Short-Term Rental Insurance policy.

Why do I need additional insurance as an Airbnb host?

Doesn’t Airbnb already provide that?


Airbnb offers two types of coverage for renters using their platform: “Host Protection Insurance” and “Host Guarantee Protection”. While these types of coverages are a great start and will protect you in the event of certain accidents, they are not meant to replace an actual insurance policy. Airbnb even recommends that hosts purchase their own coverage to ensure they are completely protected throughout their experience using the platform.

Here are a few additional reasons why getting insurance designed for Airbnb hosts is so important:

  • Many home insurance policies do not cover short-term rental property activity (like renting your space on Airbnb).
  • To protect yourself and your home, it’s important to have an insurance policy that is under your specific name. 
  • Proper insurance designed for Airbnb hosts will protect you from the unique challenges hosts face, like vandalism and malicious damage.
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

What does Duuo’s Short-Term Rental Insurance for Airbnb hosts cover?

Duuo’s Short-Term Rental Insurance for Airbnb hosts offers liability protection for hosts in the event that a guest renting your space gets hurt, or causes damage to your home or property. This policy consists of:

  • $2 million in liability coverage.
  • The full replacement cost of your home and its contents, up to $1.5 million.
  • 15 additional coverages specific to short-term rentals, including infestation, vandalism, excessive internet use, and more.

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

Video Image
Did you know that your homeowners insurance likely doesn’t cover short-term rental hosting? That’s why adding Duuo is such a great solution!
Watch this video to see how Duuo works.


How to purchase Short-Term Rental Insurance for Airbnb hosts

It’s easy! Simply answer a few questions about your home and we’ll provide you with a quote to see just how affordable it is to get your space covered with Duuo. Rates start as low at $5/night. After getting your quote, simply sign up for a free Duuo account online to purchase, and you’re all set! The whole process takes less than 5 minutes and is available completely on-demand. 

Additionally, you can easily keep track of your coverage by logging in to your Duuo account and viewing your rental dashboard.

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 one of our licensed insurance reps 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 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!