Insurance for Airbnb and chalet rentals in Quebec (2026) · Reserver.ca

Insuring a Quebec short-term rental usually requires a short-term rental endorsement or light commercial policy, on top of Airbnb's host protection (caps and exclusions apply). Liability, water damage, furnished contents and vacancy periods must be disclosed to your broker. No policy replaces CITQ compliance or Bill 67 duties.

Owner guide — September 2026. Physical safety: rental safety guide.

Three protection layers

1. Owner policy (home or light commercial) — building, contents, liability.
2. Platform program (e.g. Host Protection / host guarantee) — strict terms.
3. Deposit or damage waiver per channel — not a substitute for major losses.

What to tell your broker

• Nights rented and estimated revenue.
• Hot tub, fireplace, dock, equipment rentals.
• Condo or zoning restrictions.
• Vacancy periods (freeze risk, minimum heat).

Common chalet risks

Water damage (roof, winter plumbing), fireplace fires, slips on ice or stairs. Documented routine maintenance helps at claim time.

Insurance ≠ CITQ compliance

Valid coverage does not excuse a missing CITQ number or unpaid lodging tax. Keep regulatory and insurance files separate — see short-term rental regulations.

FAQ

Does standard home insurance cover Airbnb?

Usually not without an endorsement — declare rental use.

Is Airbnb Host Protection enough?

A supplement only; read exclusions and caps.

Guest liability?

Check liability limits and deductibles.

Claim during a stay?

Document and notify insurer plus platform.

Do I need a broker or lawyer?

Yes for tailored coverage — this article is informational.