# Short Term Rental Insurance > Find flexible coverage for your vacation rental against unexpected events. Enjoy peace of mind while hosting on Airbnb, Vrbo, or other platforms. Short Term Rental Insurance Worry-free short-term hosting. Short-term rental insurance offers specialized coverage tailored to the unique needs of vacation rentals. We’re here to ensure peace of mind for hosts looking to rent out their spaces, whether it’s their primary residence or not. Get a Quote Your guide to short-term rental insurance. The popularity of short-term rentals like Airbnb and Vrbo has opened up exciting income opportunities for homeowners. However, with the constant flow of guests comes an increased risk of unexpected events. This insurance can protect you against:  Damages  Theft Loss of income Repair or replacement of personal property Coverage across Canada. Get short-term rental insurance by phone or in person at your nearest location. Get a Quote Find a Branch Our most common short-term rental coverages. From accidental damage to guest injuries, traditional homeowners insurance often falls short in protecting your property and finances. Learn more about the types of short-term rental insurance available to protect yourself and your property. Personal Liability This coverage takes care of any personal liability issues that happen, whether you’re on-site or not. It protects you from medical expenses or property damage for your property or a neighbour’s. Equipment Breakdown Insurance This covers the cost of repairing or replacing your home’s equipment such as hot water tanks and heating/cooling systems. It protects internal damages such as electrical issues, operator errors, or mechanical failures. Personal Property This coverage takes care of your personal property that is on-site, such as furniture or kitchen appliances. If you furnish your rental, you should have this insurance. Rental Income Loss This insurance is here for you to cover the loss of rental income in case there is an event or issue that arises that keeps renters from being able to use your space. Professional Liability This coverage protects you as a business owner against claims of negligence, misconduct, or failure to deliver a product or service to your renters. Why choose Acera Insurance for short-term rental insurance? Keep your short-term rental space safe with the best coverage possible. Our advisors are here to help you find what’s right for you. Tailor-made Coverage We’ll create a customized insurance strategy to help you to reduce the risk of renting out your property, whether locally, provincially, or across Canada.  Dedicated Claims Support Our in-house claims team is here to help you every step of the way and advocate on your behalf to expedite your claim as quickly and efficiently as possible. Rental Property Experts Your dedicated advisor has the necessary expertise needed to provide expert guidance to protect your short-term rental. Answering your most common questions. Do I need short-term rental insurance if I already have homeowner's insurance? Most standard homeowner's policies exclude coverage for business activities like short-term rentals. Not having proper insurance can leave you financially exposed in case of unexpected events. How much does short-term rental insurance cost? The cost of short-term rental insurance depends on several factors, including: Location of your property Value of your property and contents Coverage limits Frequency of rentals Deductible amount If I’m part of a short-term rental platform, doesn’t that cover me? Rental platforms, like Vrbo or AirBnB, offer some coverage but there’s no guarantee that it will be enough for the right coverage for you. Having your own coverage ensures that you have all the coverage you need, no matter what happens. What’s the difference between short-term rental insurance and home insurance? Do I need both? Home insurance is designed for your personal residence and protects you from damage, theft, and liability when you live there. On the other hand, short-term rental insurance specifically covers your property and potential liabilities when you rent it out to guests through platforms like Airbnb or Vrbo for up to 6 months. It fills the gaps in traditional homeowner's insurance, which often excludes coverage for business activities like short-term rentals. If you’re renting out your home or secondary residence, you should think about getting short-term coverage. Do I have to get short-term rental insurance? No, you are not required by law to get short-term rental insurance but we highly recommend you do so in order to protect yourself. Hosting platforms, such as Airbnb and Vrbo, strongly recommend that you have your own insurance instead of solely relying on theirs. Personal insurance insights for your everyday. Still have questions? We’re happy to connect with you. Let’s start a conversation. Find a Branch