Protect your rental with insurance designed for Airbnb hosts!

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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. Established in 2018 as a brand of The Co-operators, 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 rental 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.

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. For more information, check out our blog to learn more about Airbnb’s “Host Guarantee”.

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.

Read the whole policy Read the summary
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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.

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Testimonials

Look at what our customers are saying about Duuo!

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
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
Fast, super easy and convenient. Great coverage for a great price. Will definitely use again.
Alec MacNeill Richardson
Perfect solution for short term rental insurance. Easy, affordable and convenient
Linda Simopoulos
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
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
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!