Short-Term Rental Insurance For Cottage Owners

Make sure this cottage season is smooth sailing!

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Did you know that your homeowners insurance likely doesn’t cover cottage rentals 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 

From BBQ fires to damaged kayaks, anything can happen when you rent your cottage to others. Short-term rental insurance from Duuo provides the extra protection needed to cover you in the event that something does happen while renting out your beloved cottage. As traditional home insurance rarely covers rental and hosting activities, Duuo’s Short-Term Rental Insurance fills in the gaps of your traditional insurance to further cover your cottage. This means you can get back to enjoying a worry-free cottage season!

Click here to read Duuo’s Short-Term Rental Insurance 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 For My Cottage?

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

Due to the new and innovative nature of home-sharing and rental platforms, many traditional home insurance policies don’t cover short-term rental activity like renting your cottage out to users on platforms such as Airbnb and VRBO.

Some platforms, such as Airbnb, do provide hosts with protection programs like The Host Guarantee and “Host Protection Insurance.”  Although these programs are in place to support cottage owners, they aren’t meant to be a replacement for a formal insurance policy. Most platforms actually encourage hosts to get their own insurance coverage before renting out their cottage. Click here to read our blog titled 4 things you might not know about the Airbnb Host Guarantee.

Duuo’s Short-Term Rental Insurance serves to bridge these gaps in home insurance and platform protection programs in order to provide rental hosts with the comfort that they’re covered this cottage season!

*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.

Approved Platforms

In order to be elligible for Duuo’s Short-Term Rental Insurance, your cottage must be listed on an approved platform. If your cottage is on an unapproved platform, contact Duuo to get it approved!

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 property 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?

Purchasing on-demand short-term rental insurance can be as relaxing as sitting by the lake! To get started, fill out a few details about your cottage and the dates you plan to rent out your property and we’ll email you a quote in a matter of minutes. Then, you can sign up and purchase your policy. This entire process takes around 5 minutes, so you have more time to focus on your cottage!

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!