Short-term home rental insurance is essential for homeowners who rent out their residence, whether a house, condo, or cottage, for short periods on platforms like Airbnb or classifieds sites.
Short-Term Rental Insurance covers the specific risks associated with this activity, which is often considered a business by insurers.In most situations, basic home insurance will not cover damage to your property in the case of commercial activities such as short-term rentals. That's why you need to take out specialized insurance for short-term property rentals.
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At ClicAssure, we understand that every business has unique insurance needs. That's why, through our commercial insurance comparator and our extensive network of business partners, we offer insurance solutions tailored to a variety of industries. Whether you own a commercial vehicle, a service business, or manage condominiums, we have the coverage you need. Complete an online quote on our insurance comparator to receive offers from several of Quebec's leading insurers, specializing in insurance for businesses and SMEs.
Short-term home insurance is essential for anyone considering renting out their property, whether occasionally or regularly. It's crucial to understand the risks involved, declare this activity to your insurer, and select the appropriate coverage to protect your investment.
Renting your property for short periods can expose you to increased risks, including tenant-caused damages, theft, and accidents. Standard home insurance typically does not cover short-term rentals without a specific rider or a dedicated insurance policy. Therefore, declaring your rental activity to your insurer is vital to avoid potential claim refusals in the event of damage.
Short-term home insurance typically includes the following protections (however, always confirm coverage details with your insurer):
If you are a condo owner renting your unit short-term, be aware that this can significantly increase your insurance premiums, as it is considered a commercial activity. Additionally, failing to declare your rental activity could result in your insurer refusing compensation for damages caused by tenants. It's equally important to confirm whether your condo association is informed and permits this type of activity, as they might prohibit short-term rentals altogether.
