Protect Your Short-Term Rental Property with Confidence
Renting out your home, condo, or cottage through platforms like Airbnb or Vrbo can open the door to steady income and new opportunities, but it also exposes you to risks that traditional home insurance doesn’t account for.
With ONA, you can rent with peace of mind, knowing your property, income, and reputation are all backed by trusted expertise and comprehensive protection.
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Airbnb Insurance in Ontario
Platforms like Airbnb and Vrbo offer hosts some level of protection, but it’s limited. Most standard homeowners insurance, condo insurance, or cottage insurance policies exclude short-term rentals entirely or deny claims caused by paying guests. That means if a guest damages your property, gets injured during their stay, or even throws an unauthorized party, you could be left footing the bill.
Our short term rental insurance options are designed specifically for Ontario hosts who rent out part or all of their home.
We connect you with policies that address the real-world risks associated with short-term rentals, including property damage, theft, loss of income, and personal liability, so that you can host with confidence.
What Does Airbnb Insurance Cover?
Every hosting situation is different, which is why we offer flexible policies that we can customize to your needs. Depending on your property type, frequency of rental, and whether you live on-site, we’ll find the right level of coverage to protect what matters most.
Property Protection
Property protection covers your building and the contents against accidental damage, vandalism, theft, or fire caused by guests. This includes protection for furniture, electronics, and rental-specific upgrades like keypad locks or security cameras.
Whether you rent occasionally, seasonally, or year-round, we can find the coverage you need.
Personal Liability
You need protection should a guest get injured on your property or cause damage to neighbouring properties. This coverage includes legal expenses and medical bills if you have been found liable.
Personal liability coverage is ideal for hosts who want to protect their personal assets in the event of a lawsuit.
Loss of Rental Income
If a covered claim, like a fire or a flood, renders your property uninhabitable, this coverage can reimburse you for the rental income you lose while the property is being repaired. This is especially valuable for high-demand seasonal rentals or full-time Airbnb operations.
Enhanced Host Protection
Supplementary protection can fill the gaps left by Airbnb’s Host Guarantee or Host Protection Insurance. This coverage can include intentional damage by guests, unauthorized rentals, and other similar concerns.
Why Standard Home Insurance Isn't Enough
Most homeowner policies in Ontario weren’t built with short-term rentals in mind, and failing to disclose that you’re hosting on platforms like Airbnb or Vrbo could result in your coverage being reduced or voided altogether.
This is because once you begin earning income from your property, you’re no longer just a homeowner; you’re operating a small business with all the risks that come with it.
From guest injuries to property damage and even legal disputes, your liability increases significantly. That’s why Airbnb insurance from ONA includes coverage that functions more like small business insurance, giving you the protection you need to rent responsibly and confidently without risking your home or financial future.
At ONA, we help you avoid costly surprises by finding insurance specifically designed for short-term rentals, not a generic add-on that leaves you exposed.
Who Needs Airbnb Insurance?
You should consider a dedicated insurance for Airbnb if:
You rent out your primary residence while on vacation or during peak travel seasons.
You own an investment property used solely for Airbnb or Vrbo rentals.
You list a basement suite, secondary unit, or guest house on short-term platforms.
You occasionally host strangers in your home to earn an income.
Whether it’s a sleek downtown condo, a family-sized townhome, a detached suburban house, or a cozy lakeside cottage, if you’re generating income through short-term rentals, standard home insurance likely isn’t enough. Condo owners, in particular, face unique challenges; shared spaces, strata or condo board regulations, and increased foot traffic from guests can all complicate your coverage.
Most traditional condo insurance policies do not protect you from guest-related risks, such as accidental damage to your unit, theft, or liability if someone is injured inside your space. And if short-term rentals violate your building’s bylaws, some insurers may even deny claims altogether.
That’s why Oegema, Nicholson & Associates offers Airbnb-specific insurance tailored for condo owners in Ontario. We help you stay compliant, protected, and profitable with coverage that goes beyond your building’s standard policy so that you can host with total peace of mind.
Tailored Coverage for Every Host
Not all Airbnb insurance policies are created equal. We work with Canada’s top insurers to offer customizable Airbnb coverage that aligns with your property, location, and hosting frequency.
Options include:
Named Perils or Comprehensive Coverage:
Choose coverage limited to specific risks or opt for broader protection.
Standalone Short-Term Rental Policies:
Ideal for investment properties or secondary homes.
Add-Ons to Existing Policies:
For part-time hosts looking to extend their current homeowner's insurance.
Multi-Unit Property Coverage:
Perfect for landlords offering short-term stays in multiplexes or guest suites.
Our brokers will guide you through your options, clearly explain the details, and help you make an informed decision.
FAQs
No. Most standard home insurance policies in Ontario exclude short-term rentals entirely or deny claims caused by paying guests. Once you begin earning income through platforms like Airbnb or Vrbo, your personal policy was not written to cover that exposure, and your insurer may reduce or void your coverage altogether. A dedicated short-term rental insurance policy ensures you are properly protected before your first guest checks in.
Airbnb’s Host Guarantee and Host Protection Insurance have significant limitations. Coverage amounts are capped, certain damage types are excluded, and claims go through Airbnb’s own resolution process rather than an independent insurer. Cash, jewellery, and certain property types are typically excluded entirely. A standalone short-term rental insurance policy from an independent broker fills these gaps with coverage that is not dependent on the platform’s terms and conditions.
Short-term rental insurance in Ontario typically covers property damage caused by guests including accidental damage, vandalism, and theft; personal liability if a guest is injured on your property; loss of rental income if a covered claim renders your property uninhabitable; and enhanced host protection that fills the gaps left by platform guarantees. Coverage can be structured as a standalone policy for investment properties or as an add-on to your existing home insurance depending on your property type and how frequently you rent.
Yes, in most cases. Standard cottage insurance policies in Ontario typically exclude short-term rental activity, and your existing coverage may be voided if your insurer discovers you have been renting to paying guests without disclosing it. A dedicated short-term rental policy or a cottage insurance endorsement that specifically covers hosting is required. This is especially important for seasonal rentals in high-demand areas where income loss during peak season can be substantial.
The cost varies based on your property type, location, rental frequency, property value, and coverage level. A part-time host renting occasionally may pay a modest add-on premium to their existing home policy, while a full-time host operating an investment property will typically need a standalone policy at a higher premium. The most accurate way to determine your cost is to speak with an independent broker who can compare options across multiple insurers for your specific situation.
Why Choose Oegema, Nicholson & Associates for Airbnb Insurance?
With over 50 years of experience serving families and property owners in Eastern Ontario and Western Quebec, ONA knows what it takes to protect what matters most.
As a trusted local brokerage, we act in your best interest, not the insurance company’s. We explore options from Canada’s top providers, finding flexible coverage tailored to your unique needs.
You’ve invested time and money into creating a space that people love to stay in. Now, let’s make sure it’s properly protected.
Whether you’re just getting started with Airbnb or you’ve been hosting for years, ONA can help you find the right Airbnb insurance in Ontario to match your needs and protect your bottom line.
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Oegema, Nicholson & Associates Insurance
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