A conversation about insurance

Hi @Paul-Head-MS I think the terms and conditions could be improved to add more details, since the text your pasted could be interpreted very broadly. Adding something like “Any claims related to COVID-19 cancelations will not be honored” seems more fitting.

My understanding is that in @Vered’s case there were no destination travel restrictions, enforced quarantining, area lockdowns and the HO was not sick with COVID.

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Good question. An official THS answer “I fully appreciate what you are saying, in that it is not actually the Owner who has contracted Covid, however this is ultimately the reason as to why the sit has been cancelled”
I think the only way to use that insurance it’s if the owner disappears or rudely canceling without explanations.

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And of course, THS deleted my comments here :slight_smile:

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Oops I didn’t mean to heart that but can’t seem to undo it!

@Vered we understand your frustrations but to be clear, the comment you are referring to was removed and a DM sent to you explaining why. We do not delete any comments without a valid reason.

The Admin team reserve the right to remove any comments which are of an inflammatory nature, misleading or clearly untrue and in this case all three applied.

If you wish to discuss further please reply by DM to our Membership Services Manager.

Hi There.
Yes, we have had several sits cancelled, none due to Covid, and it is frustrating. We travel by car in the US and I plan our trip according to confirmed sits. When one cancels, it can leave a big gap and it could mean going out of our way 100’s of miles to get another sit. For our upcoming trip we have sits in Louisiana, New Mexico and Arizona. New Mexico cancelled (2 canceled sits) and we are now looking for an alternative sit.
I am looking into the cancellation insurance but not sure if it would be beneficial. Would love to hear if other sitters have the cancellation insurance and their experience with it.

HI @PetTrippin have moved your question to this topic on Insurance …

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I’m sorry to hear that you’ve had so many cancellations!

We’ve not been able to use the cancellation insurance with our premium membership because of the fine print that states that your alternative accommodation must be in the same location as the cancelled house sit.

Our New Mexico house sit cancelled 4 days before our Tucson house sit ended. To take advantage of the insurance we would have had to fly to New Mexico as planned and book into a hotel while hoping we would find another sit nearby (slim chance of that given the house sit was in a remote area of NM) and then fly out again.

So basically useless insurance in my experience - we are almost never doing back to back house sits in the same city.

I seem to recall seeing somewhere that ALL TH hosts are automatically insured for up to X number of dollars (it may have been $10,000 or something…I forget) for any theft or damage that may occur to their home or property by a TH sitter. Yet, I can’t remember where I saw that, in order to verify it. Are there any ‘horror stories’ out there of TH sitters who did damage or committed theft? Mind you, I’m not all that worried… the TH system of checks and balances seems good, and I DO check out any sitter’s profiles, reviews, would plan to have a Zoom call with them beforehand, etc. But still, I’m curious for any thoughts on this.

Thanks.

I know this is a conversation that happened a while back, but I have a question. My family often does way more than 3 sits per year. Does this mean that the protection is only valid during the first 3 sits and that if something happened during the 4th or 5th sit of the year that we wouldn’t have the cancellation protection even if we didn’t have to use it on prior sits? @Therese-Moderator

I’m not sure how these conversation threads work…in what order new comments/questions appear…but some of these threads are super long and so I’ve no idea if my comment/question will ever be seen, but here goes:

I seem to recall seeing somewhere that ALL TH hosts are automatically insured for up to X number of dollars (it may have been $10,000 or something…I forget) for any theft or damage that may occur to their home or property by a TH sitter. Yet, I can’t remember where I saw that, in order to verify it.

If meaningful, I RENT an apartment in NYC, and I do not have renter’s insurance. So, I personally am not insured for any damage or theft that occurs in my home. So my question is whether, in this instance, as a TH HOST who allows sitters into my home, if TH provides automatic insurance coverage to me.

Are there any ‘horror stories’ out there of TH sitters who did damage or committed theft? Mind you, I’m not all that worried… the TH system of checks and balances seems good, and I DO check out any sitter’s profiles, reviews, would plan to have a Zoom call with them beforehand, etc. But still, I’m curious for any thoughts on this.

The last answer is always shown at the bottom of the thread. If someone answers directly to another post it’s possible to see by a pop up window.

Concerning insurance, i for myself wouldn’t rely at all on these insurances covered supposedly by THS. There simply can’t be good coverage for an insurance that should work worldwide for all countries and all members from any country.

In Germany you should have a personal insurance which covers for things that belong to someone else and which you damage or get lost in your care.
If the sitter, who breaks something in my home, either he/she is personally insured and then the insurance pays for it, if not he/she pays him/herself. Of course one can try to file a claim with the THS insurance but I wouldn’t count on it.

Thanks very much. Yeah, the problem is that some of these threads are pages long, and I had a hard time ‘getting’ to the end of the thread, for some reason.

Anyway, thanks for your insights. You pretty much confirmed what I suspected. Most such claims of people ‘being insured by the site’ are just ‘nice talk’. We all know how insurance companies operate (or DON’T operate). It’s like pulling teeth to get any money out of them.

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Some insurance info here.

"What’s covered?

If you have an existing home insurance policy and an active Standard or Premium owner membership, you’re covered for:

  • Property damage — This covers accidental and malicious damage to your property during a sit. It protects your household goods and your valuable belongings too.

  • Theft — If something goes missing, you’re covered.

  • Public liability — This covers you in case the sitter has an accident in and around your property."

If you are a home owner and you plan to have a sitter, I would advise you to get home or renter’s insurance, regardless.

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Just wondering if any THS Sitters out there have ever made a claim against THS HO insurance, if so what for and was it successful ?

Just as an FYI Renters insurance is Much more affordable than homeowner’s insurance. You can likely get a policy for around $25/month. It’s a good thing to have.

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I’m not sure f the English definition of lodgers is different than the US, so if it is, please disregard my comment. In the US, a lodger is typically someone who is paying to stay in the home – maybe an AirBnB/VRBO or a renter of a room or portion of the home. THS doesn’t operate in this way, as you know, so I’m not sure if additional insurance is required. Essentially, as a petsitter, we are guests in your home who have been authorized to use your property in the manner you have proscribed – use the pool, car, kitchen, gym equipment, etc. Therefore, we should be covered under any fair use or guest on premises provisions.

In the THS Terms and Conditions it is clearly stated that the HO has to have an insurance covering damage to his property and belongings.

In Germany there’s the insurance of the building, which covers the house itself and anything connected to the house like wall panels, built-in cabinets and floors. This one is mandatory when you own property and it doesn’t matter who stayed in the house when the damage occurs. The insurance is going to pay the HO’s loss but they will always find someone to blame for the damage and that’s why everybody should have a personal insurance, especially if you plan to use stranger’s belongings and stay in their homes.

Then there’s the insurance which covers household goods like furniture and movable belongings. This one is not mandatory by law but advisable to have. In case the building burns down your belongings aren’t completely out of the chimney, at least not the money to buy new ones.

In Canada, house insurance (normally building and contents for home owners, just contents for renters) isn’t mandatory and it’s always sad to hear about people who lose their homes and were uninsured. Having liability insurance is sometimes included in the insurance policy but not always.

Yeah, it’s only mandatory here in Ontario if you have a mortgage. Once the house is paid off, it’s not required. I know that my 90 year old next door neighbour has no insurance and I’m always worried about her house when there’s a big storm.

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