Home-sharing platforms such as Airbnb, Flipkey, HomeAway, VRBO are becoming increasingly popular in Canada. So if you already home-share or considering it, you should think about insurance protection.

Fact: 51% of Canadians were unaware that their insurance wouldn’t cover the losses or damage that could occur**

What is home-sharing insurance?

Designed for people who rent their homes on a short-term basis through a home rental network such as Airbnb, Flipkey, and HomeAway, it covers:

  • liability arising out of the short-term rental
  • loss or damage to buildings and personal property
  • intentional acts, criminal acts, or failure to act by a guest
  • loss or damage to a guest’s property up to $1,500
  • fair rental value (loss of rental income)

Choose from these coverage options, based on your rental activity:

Option 1: Rent your entire home for up to 90 days.
Option 2: Rent your entire home for up to 180 days.
Option 3: Rent a portion of your home (eg a room, basement) to multiple short-term guests year-round.
Option 4: Rent your income property to short-term guests year-round. This coverage is also available as a standalone policy, even if your primary residence is not insured with Aviva.

Options 1-3 are available for homeowners, condo owners, and seasonal/secondary home and condo owners.

Option 4 is only available for rental income property owners.


Eligible hosts

  • Not intended for long-term rentals to one individual or annual lease situations.
  • Designed for hosts who rent their home or a portion of their home on a short-term basis, multiple times, to different individuals throughout the year.
  • The rental must be managed through a home rental network or a professional property management company.

MUST READ:  15 Risk Mitigation Tips for AirBNB Hosts Article

MUST READ: Hotel Unions demand Airbnb landlords to secure insurance

For more information, give us a call (888)-385-8466 or fill out the quote request form on the right and a representative will reach out to you.


**In September 2016, Aviva Canada commissioned a targeted survey of over 2,000 Canadians, ages 25+, who are currently home insurance consumers, or planning to purchase home insurance over the next five years.


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