Ontario summers are a time to slow down, soak up the sunshine, and enjoy the outdoors. For many, that means weekends or holidays at a cottage, cabin, or trailer — whether you’re fortunate enough to own one or you’re planning to rent one for a much-needed escape.

In recent years, platforms like Airbnb and Vrbo have made it easy for property owners to rent out their vacation homes and for travellers to book cozy getaways. But while the convenience is undeniable, both renting out your property and renting one for your trip come with important insurance considerations.

At SurNet Insurance Group Inc., we’re here to guide you through what you need to know — so you can enjoy summer with peace of mind.

If You’re Renting Out Your Cottage, Cabin, or Trailer

Maybe you only visit your cottage a few weekends each season. Or perhaps you’re looking to offset some of the costs of owning a vacation property. Renting it out short-term, whether through Airbnb or to friends-of-friends, might seem like a simple solution. But before you hand over the keys, it’s important to review your insurance.

➡ Standard policies often don’t cover short-term rentals.
Many cottage, cabin, and trailer insurance policies are designed for personal use. The moment you begin renting your property — even for just a weekend — it could be considered a commercial activity. Without the right insurance, a claim could be denied if there’s damage or a liability issue while a guest is staying.

➡ Special coverage may be required.
We can help you arrange proper insurance for short-term rentals, which typically provides:

  • Coverage for damage caused by guests

  • Liability protection in case a renter or their guest is injured

  • Loss of rental income if your property is damaged by a covered event and can’t be rented out

➡ You’re responsible for guest safety.
When you act as a host, you’re expected to provide a reasonably safe environment. That means ensuring smoke detectors and carbon monoxide alarms are working, stairs and decks are secure, and that the property is free from hazards. Failure to do so could lead to costly liability claims — another reason the right insurance matters.

➡ Don’t rely on platform protection alone.
While companies like Airbnb offer “host guarantees” or “host protection insurance,” these programs have limitations and don’t replace personal insurance. Let us help you review what’s covered and what isn’t.

If You’re Renting a Cottage, Cabin, or Trailer for a Summer Getaway

Booking a rental property can be a great way to enjoy nature, unwind with family, and explore new places. But even as a guest, it’s important to consider insurance before you go.

➡ Does your current insurance extend protection?
Your home or tenant insurance policy may provide some liability coverage while you’re temporarily staying at a rental property — but not always. For example, if someone in your group accidentally damages the property or if a visitor to your rental is injured, you’ll want to be certain you have protection.

➡ What about your personal belongings?
If you’re bringing expensive items like bikes, electronics, or sporting equipment, check whether they’re covered while you’re away from home. If not, we can help you explore options to protect your valuables during your trip.

➡ Understand the rental agreement.
Read the terms set out by your host or rental platform. Some hosts may require you to cover certain types of damage. Knowing your responsibilities before your stay helps you avoid surprises.

➡ Consider travel insurance.
If you’re travelling far or booking an expensive rental, it may be worth considering a travel insurance plan that covers cancellations or interruptions due to unexpected events.

How We Can Help

Whether you’re listing your property for rent this summer or booking a cottage, cabin, or trailer for a getaway, we’re here to help you make sure you have the right coverage in place.

We can review your current policy to identify any gaps.
We’ll recommend solutions tailored to your plans — whether you’re hosting or visiting.
We’ll help you understand your responsibilities and protections, so you can relax and enjoy your summer knowing you’re covered.

Before you rent out your property — or rent one for yourself — give us a call or send us a message. Together, we’ll make sure your insurance is working for you.