Two things matter. BC's Insurance Act writes a condition into property policies: you must promptly tell your insurer, in writing, of a change that is material to the risk and within your knowledge and control. And Airbnb says its AirCover for Hosts is not a substitute for personal insurance. Whether hosting changes your own policy is a question only your insurer can answer.
What you get with bnbHost
- Property insurance, included. Property insurance is included with bnbHost management. Your management agreement sets out the details, and we walk you through it at your free review.
- A home looked after between stays. Cleaning and laundry after every stay, and repairs arranged so the home is ready for the next guest.
- One point of contact for guests. Guest messages, key exchange and problems come to us, not to you.
- A look at your home before we start. With our legal team, so you know whether it can be hosted before any set-up.
What stays with you
- Your own policy. Telling your insurer that you host, and asking how your policy fits alongside the insurance included with our management, is between you and them. We don't give insurance advice.
Questions owners ask
What exactly does your included insurance cover? Your management agreement sets out the details, and we go through them with you at the free review, before you sign anything.
Does AirCover replace my home insurance? Airbnb says not: it calls AirCover for Hosts no substitute for personal insurance, and suggests you ask your insurer how the two overlap.
Checked on 11 November 2026: BC Insurance Act, section 29, statutory conditions.
