House Sitting Insurance
House sitting insurance can protect both the property owner and the house watcher in an unfortunate incident. House sitting insurance is essential for anyone looking to watch another person’s home, whether it be for a few days, months or even years. The risk of something happening to their property is something that you want them to know about before they hire you for this job. If you would like to read more information or learn more about the pricing of business insurance, you can do so here.
How to Obtain a House Sitting Insurance Policy:
To obtain a house sitter’s insurance policy, you will have to look for an insurance company that offers this type of coverage. Your general personal insurance policies probably won’t cover the items inside the property, so you will have to find a specialized insurer that carries house sitting policies.
When approaching an insurer about this type of coverage, make sure that you tell them precisely what you will be doing as part of your house sitting job for them to estimate the risks involved accurately. An example of a standard policy can be found here. It is essential to understand any exemptions, as shown in the small print.
The types of coverage that you will want to look for include:
- Theft and Burglary: this type of coverage is prevalent on such policies. This means that you will be reimbursed for the replacement value of the stolen items and any property damage you may have caused within the property. You may also be covered for legal fees if you are found guilty of breaking into someone’s house to commit a crime.
- Personal Injury Protection: This is another type of coverage you will want to look for. This type of insurance covers injuries and physical damage caused by you or a guest on the property with you. It may cover you for the cost of medical bills, loss of income if you cannot work because of your injury, and loss of earnings due to time off from work because of your injury.
- Medical Payment Coverage: this type of coverage will reimburse you or any of your guests who become injured or ill while visiting the property. You may be reimbursed for any medical expenses that you may incur, including the cost of an ambulance ride if needed. You will also be covered in many cases for lost income because of a delayed return to work due to your injury.
- Personal Property Coverage: this type of policy covers any personal property owned by you that is considered valuable and cannot be easily replaced by other items. Things like jewellery, stamp collections or valuable artwork may be covered under this type of policy.
- Damage to the House and its Content: if you cause damage to the house, whether you are there on purpose or accidentally, your liability coverage will reimburse the property owner for any damages done. This coverage is also known as a cash value policy, as it covers you for the cost of fixing or replacing any damaged items in the house.
- Umbrella Liability Coverage: this type of policy will reimburse you for the cost of legal defence services if you are sued by the property owner after a claim or incident occurs in their home.
- Public Liability Coverage: this type of policy covers any claims made against you if you cause damage to someone else’s vehicle while parked in their driveway.
Essential Considerations When Choosing Insurance:
It is essential to understand what is covered and which exemptions apply. If you have any questions, you should ask the property owner if they have any specific exceptions to their policy that they want to be followed. For more context on standard terms and conditions associated with insurance for house sitting, click here.
House sitting insurance can protect both the property owner and the house watcher in an unfortunate incident. House sitting insurance is essential for anyone looking to watch another person’s home, whether it be for a few days, months or even years. The risk of something happening to their property is something that you want them to know about before they hire you for this job.
To obtain a house sitter’s insurance policy, you will have to look for an insurance company that offers this type of coverage. Your general personal insurance policies probably won’t cover the items inside the property, so you will have to find a specialized insurer that carries house sitting policies. When approaching an insurer about this type of coverage, make sure that you tell them precisely what you will be doing as part of your house sitting job for them to estimate the risks involved accurately.
Find out more about the importance of insurance here.
Other useful links about Business Insurance:
Churchill Business Insurance
Hiscox Business Insurance
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