Who will insure my ONTARIO home if I offer short-term rentals?

[Adrienne62]

I know that through Air BnB there is insurance for my renter and to protect me from rental damage, but my home insurance provider flat out *refused* to continue insuring my home if I operate an Air BnB. I've since called Cooperators, Allstate and President's Choice; all refused me insurance if I'm renting out a room on the short term. Rent to a student? No problem: add $50/yr to the insurance.

Aviva is getting me a quote but limits my rental days to 180. Beyond that, I need commercial insurance.

How are Ontarians handling this? I don't want to have a claim denied (if there's an accident having nothing to do with the rental) because I advertise on Air BnB.

[Sebastian405]

Contact Cody at Kase Insurance! If you say that Sebastian from Andes STR referred you to them, they will give you the best price available. They have insured TONS of our clients already, extremely reasonable price and they won't provide nonsense coverage. We have worked with them, educating them on the ACTUAL risks involved in a short-term rental, so they understand very well your needs.

https://kaseinsurance.com/

Cody MacPherson

https://andstr.com/