Running a short-term rental in Nova Scotia can yield impressive returns—but only if you have the right insurance to protect against unexpected damages or liability. Brought to you by Casa Scotia, specialists in maximizing Airbnb revenue across Halifax, Bedford, and Dartmouth, this guide covers the essentials of host coverage in the province.
1. Why Standard Home Insurance Isn’t Enough
Limited Coverage
A typical homeowner’s policy may exclude or limit claims for commercial activity, leaving you at risk if guests cause damage.
Short-Term Rental Exclusions
Some providers consider Airbnb hosting as “business use,” which voids certain protections.
Tip: Always confirm your carrier’s position on short-term rentals or “home-sharing” before listing.
2. Key Types of Airbnb Insurance
Host Guarantee (Platform-Provided)
Airbnb, Vrbo, and other sites might offer a “Host Guarantee” covering some property damage. But these are not official insurance policies, and claims can be cumbersome.
Specialized STR Policy
Many Nova Scotian insurers now offer short-term rental endorsements or standalone STR policies. These protect against guest-caused damages, liability suits, and potential income loss if a covered event disrupts your rental.
3. Liability & Guest Injuries
Trip-and-Fall Risks
A guest slips on wet floors or icy steps—if your standard policy doesn’t include business liability, personal liability coverage may deny the claim.
Negligence Claims
If a faulty appliance causes injury or damage, specialized coverage is crucial to avoid out-of-pocket legal costs.
4. How to Choose the Right Policy
Disclose All Hosting Details
Frequency of rentals, average length of stays, property location—transparency helps your insurer tailor an accurate quote.
Compare Multiple Insurers
Ask about endorsements specifically for “Airbnb” or “short-term rentals.” Ensure coverage extends to any amenities like pools or hot tubs.
Revisit Annually
Update your policy if you add additional listings or shift from partial to full-time hosting.
Casa Scotia: Helping You Navigate Risks
Beyond zoning and annual registrations, ensuring adequate insurance is a cornerstone of safe, profitable hosting. Casa Scotia guides you through every step—from listing setup to vendor recommendations—so you earn 30–100% more while reducing liability.
Own a Property Here? Curious how short-term rentals earn 30–100% more? Learn more on our Services Page or request a Free Estimate.
With proper insurance in place, Nova Scotia Airbnb hosts can focus on delivering great guest experiences—knowing their property and finances are well protected.