{"id":8859,"date":"2016-07-21T14:28:20","date_gmt":"2016-07-21T18:28:20","guid":{"rendered":"https:\/\/multi-risques.com\/trucs-et-conseils\/need-to-know-renting-house-airbnb-home-insurance\/"},"modified":"2026-04-21T18:23:07","modified_gmt":"2026-04-21T22:23:07","slug":"need-to-know-renting-house-airbnb-home-insurance","status":"publish","type":"cke_blogue","link":"https:\/\/multi-risques.com\/en\/tips-and-advice\/need-to-know-renting-house-airbnb-home-insurance\/","title":{"rendered":"All you need to know about renting your house on Airbnb and home insurance"},"content":{"rendered":"\n<p class=\"is-style-subtitle is-style-subtitle--1\">Are you going on vacation for a few weeks and want to make the most of your stay by listing your home on Airbnb with the aim of renting it out while you&#8217;re away? Assurances Multi-Risques would like to provide you with information about short-term rentals and some home insurance tips related to renting your home on Airbnb. <\/p>\n\n<p>Renting out your home on Airbnb can be risky if you fail to contact your insurance broker or agent. In such a situation, your home insurer could refuse to compensate you in the event of a claim if they discover that you are renting out your home on a short-term basis or through Airbnb. <\/p>\n\n<h2 class=\"wp-block-heading\">Why is it better to contact your insurance broker or agent?<\/h2>\n\n<p>Il est fortement recommand\u00e9 de <a href=\"https:\/\/multi-risques.com\/contact\/\">contacter votre courtier<\/a> ou votre professionnel en assurance si vous louez votre r\u00e9sidence \u00e0 court terme, car sachez que les activit\u00e9s professionnelles comme la location font g\u00e9n\u00e9ralement parties des exclusions g\u00e9n\u00e9rales de votre contrat d\u2019assurance habitation. De gr\u00e2ce, n\u2019oubliez pas volontairement d\u2019aviser votre assureur dans le but de faire quelques \u00e9conomies sur votre prime d\u2019assurance!<\/p>\n\n<p>In the event of a claim, the insurance company may refuse to pay the claim. Your home insurer may also refuse to insure you in the future. In such a case, you will have to find a new insurer, one that specializes in short-term rentals or that agrees to insure rentals with Airbnb. Opt instead for the worry-free solution, where you will have to pay a small insurance surcharge to avoid losing one of your biggest assets, your house or condo.   <\/p>\n\n<h2 class=\"wp-block-heading\">About Airbnb insurance<\/h2>\n\n<p>Some people believe that it is not necessary to notify their home insurer since Airbnb has insurance. Airbnb has <a href=\"https:\/\/www.airbnb.ca\/help\/article\/937?locale=en&amp;_set_bev_on_new_domain=1759940122_EAYmMxNGU1YzMwOT\" rel=\"nofollow noopener\" target=\"_blank\">Host Guarantee<\/a>, which is supplemental insurance. Although it can provide compensation, it does not cover everything that is necessary for the owner of a home who rents out their residence on a short-term basis.  <\/p>\n\n<p>Supplementary insurance does not cover replacement value, but actual (depreciated) value. Therefore, you could incur a financial loss if your insurer is not notified of the short-term rental of your home. In addition, Airbnb&#8217;s Host Guarantee specifies that the insurance applies to the tenant who caused the damage. However, if a fire breaks out due to an electrical fault or you experience a sewer backup, you should be compensated by your home insurer.   <\/p>\n\n<p>It is therefore, among other reasons, to avoid claims issues that you must declare the short-term rental of your residence. It is also important to note that Airbnb&#8217;s supplemental insurance does not cover your civil liability. <\/p>\n\n<h2 class=\"wp-block-heading\">Some practical tips when renting out your home on Airbnb<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Store your valuables in a safe or secure location.<\/li>\n\n\n\n<li>Be selective with your tenants. Conduct interviews to get the full picture and, if necessary, perform background checks such as criminal record checks. <\/li>\n\n\n\n<li>Ask a neighbor to discreetly keep an eye on your home and collect your mail. That way, there will always be someone watching over your home. <\/li>\n\n\n\n<li>Provide your landlord with the contact details of a responsible person (your neighbor, for example) in case of damage.<\/li>\n<\/ul>\n\n<p>En terminant, nous vous conseillons de contacter votre assureur habitation si vous comptez louer votre r\u00e9sidence via une plateforme Web telle que Airbnb. Un simple appel \u00e0 votre courtier d\u2019assurance pourrait vous \u00e9viter bien des probl\u00e8mes et des craintes et par le fait m\u00eame vous offrir un s\u00e9jour \u00e0 l\u2019ext\u00e9rieur beaucoup plus agr\u00e9able! <\/p>\n","protected":false},"excerpt":{"rendered":"Are you renting out your home on the Airbnb website for a while and unable to insure your property? Learn more! 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