A conversation about insurance

@Düsenzofe @Françoise-et-Youn @Kelownagurl thats good advice a broker will know all the pitfalls or should

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I totally agree !
You always discover that you don’t fit it the box :
YES you pay insurance against floading but this tap has been leaking for more than 3 days and the water should be turned off when you leave for more than 3 days…
YES you pay for “life accident”, but falling on your own and broke your hip is NOT an accident (true story 2 years ago while dog sitting in Portugal !)

I am too very sceptic… sadly… :disappointed_relieved:
Same apologise to any honest insurance agent reading this :grimacing:

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@carpediem that’s why we have an insurance broker. He has helped every single time we needed him and over the years we got back more than the price difference to any insurance contract you sign via the internet.
When we need a new insurance we ask him and of course he gets paid a commission but he knows the contracts, knows what makes sense for us and helps in case of a claim.

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That is very interesting. I would love to have such a trustful broker ! I would be very happy to pay for this kind of advices !
But in any case, I will ask my company about our insurance when staying in OH home for pet-sitting…
We now have a very good insurance company with real people in real office ready to speak to you, and not only a voice machine asking you to dial 1, dial 2 and bip bip bip…

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Sounds right, @Provence
(I learned French long long ago but haven’t spoken for years. :wink:)

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@VNcatontheroad , this is such an unfortunate situation. So sorry this happened to you.
From what I have read, the TV would have been covered if the HO had had the THS standard or premium Homeowner’s membership. Their regular homeowner’s insurance policy, alone – at least in the US, would not cover this.

Because of this discussion, I called my insurance agent to find out if my homeowner’s insurance would cover me as a sitter if I caused damaged in someone else’s home. I live in the US. My insurance only covers damage to my own home, things like theft, fire and water damage. It does not cover replacement of items such as appliances or televisions. My homeowner’s liability insurance covers me if I am sued by someone else for things such as damage from a falling tree, a dog bite, an injury incurred by someone while on my property, such as walking into a hole or slipping on ice and breaking a bone.

In order to be covered for damage I caused to someone else’s home while staying there, I would need my own liability insurance, generally commercial insurance. If, for example,
I caused a fire or was responsible for water damage to their home, their homeowner’s insurance would pay for repair but they could come back and sue me for liability.

This is what it says about the insurance that comes with THS standard and premium Sitter memberships:

Accident & third party liability protection - For extra peace of mind, if a pet causes damage or injury to another person, their property, or pets whilst under your control during a sit, and this is due to negligence on your part, then you will be covered by our Sitter guarantee up to $1,000,000 per incident.***

**It appears this only covers damage by the pet you are watching.

Go here to see exactly what the THS liability insurance for Homowners covers:
Home and Contents Protection Terms and Conditions | TrustedHousesitters.com

Here are a few highlights:

  • 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.

Exclusions:

  • The insurance only covers the owner for damage or theft if admitted to by the sitter. It does not cover acts where the Sitter(s) does not admit liability unless the damage is Malicious damage or Theft;
  • (e) liability arising from the ownership or use of any motor vehicle or other machinery, whether licensed for road use or not; I assume this would not cover damage to a lawn mower or snow blower (or a bicycle or golf cart??)

As someone else said in an earlier post, as a sitter it is to your advantage to sit for a homeowner who has a standard or premium membership if you do not have your own liability policy.

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But how do you know what level the homeowner has? I am sure sometimes even if you ask them they may not know based on some peoples lack of understanding of the site and that it is new.

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Hi @Kootenaigirl just for reference owners who have chosen the Premium Membership Plan have this indicated on their listing.

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I agree that we can see who has Premium membership but we cannot see who has standard rather than basic.
If I apply for a sitting I don’t feel that I should ask what level of membership the HO has. If I mention that it is for insurance purposes, then they may see that as a red flag on me.
This whole issue of Insurance is a minefield.

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@mars thanks and this will be useful to alot of people…I really must go back over all the THS T&C, policy, insurance etc and we probably all should make ourselves aware of things that are more often than not just scanned!

I think (for transparency) on each profile, be it the Sitter’s or HO’s, the type of membership should be shown.

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@Therese-Moderator From your message:
“including individuals invited to be present at a Home by the Sitter(s) during a Sit”

It does appear that the insurance covers guests as well. It would be a large gap if it did not, because otherwise the HO is exposed to anything that a visitor does whether authorized or not.

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@analognomad … I think it is important to note that no one is allowed on the sit without the owner’s permission (would always advise this in writing) so I suppose that if they have it in writing from the owner that they can have guests then it would be covered. However, there is always a fine line with insurance companies, and this has not been tested here yet. With sitter’s guests around, whether the sitter did it or the guest, I would imagine the sitter would still need to take full responsibility.

I expect that in both cases the sitter would ultimately be responsible. Insurance doesn’t change who is responsible, it changes who has to decide whether it’s worth the effort to try to recover that money.

The HO insurance isn’t removing ANY responsibility from the sitter it is just giving the HO assurance that they will be made whole without having to chase a possibly nomadic sitter through the courts.

As a HO with the THS insurance based on term I would expect that THS covers my home contents and it is up to THS to decide based on the circumstances and cost whether to pursue anything with the sitter (and/or the uninvited guest directly).

@analognomad … Just to clarify, as a homeowner, should a sitter do damage, and your homeowner’s insurance does not cover this, we would submit all the information to our third-party insurance provider, Guardhog and their underwriters would decide whether to pay this or not.

TrustedHousesitters do not pursue any payments from sitters. We may ask the sitter, if they admit to the damage.

Hello-

I sent the following email on August 28th and still have not received a response (I sent it again last week).

“ I was hoping to get more clarify on how the sitter insurance works.

  1. How do you submit for reimbursement?

  2. Can you explain this, as someone who does this full time will I be cover for any sit the whole year or just the first 3 sits- the first 3 sits part is confusing…The terms and conditions state: “You’re covered up to 30 days annually over as many sits as you like. Or, if you choose to do longer sits, then rest assured you’re still covered for your first 3 sits each year, even if they span over 30 days.”

  3. I noticed a line that stated you had to stay in the area where the sit was cancelled. What if you are traveling to a new sit you found since the owner cancelled on you? Wouldn’t that be unexpected that you had to leave and find another sit because you were cancelled on? Likely the next sit we have to scramble to find is not going to be in the same city?

  4. I also see that THS states they expect the sitter to contribute $50, to the claim. Is this per claim or per night? For example, if I get canceled on and have to stay in a hotel for 5 nights, I would assume I would submit a claim for 5 nights and pay $50 towards the total sum of charges for the 5 nights, is that correct?

  5. How do you submit the reimbursement form? It seems communication is very delayed and I am trying to decide if this service would be worth the additional cost

In addition, this would likely be a time I am traveling to another sit I found to replace the cancelled sit, so it would be in several locations, as I travel, going back to my other question, would this be covered because it’s not in that same city as the sit in which the owner cancelled?

Thank you for your additional help and any clarity you can provide would be appreciated.”

In addition to hoping to have these questions answered, I am curious what other sitters think of the premium membership? What have your experiences been and would you recommend it?

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I have many of these same questions…thanks for asking.

Hi @mzb welcome to our community forum there have been a number of conversations around the insurance product benefits included in the new tiered memberships and I have moved your post to this specific Insurance related topic. A conversation about insurance

I’m sorry that you have not received a response from Membership Services, the team are in the process of getting back to pre-COVID strength with a number of agents still in training and incoming inquiries and messages are increasing as members are becoming more active, I’m bringing @Therese-Moderator into this reply who will pick this up for you when she is back online.

Once again we do apologise for the delay and again welcome to the forum we hope you will stay and look around at all of the interesting conversations and as a full time sitter we are sure you will have much to contribute and many great experiences to share.

Thank you

Angela and the Team

Hi @steplinn and welcome to our community forum I have moved your question into this Insurance topic and the questions your refer to which have been asked by @mzb will be addressed by Membership Services through @Therese-Moderator when she is back online.

We hope you will take a moment to look around the forum and enjoy connecting with other members on many different topics of conversation. We look forward to getting to know you and sharing in your TrustedHousesitters journey.

Angela and the Team

Hello!

We upgraded recently for fears of having a slew of COVID related cancellations and that cancelation insurance looked quite nice.

The caveat to that: you have to book your hotel in the same city of the cancelled sit.

So in our instance we were in Tucson on a Monday, found out that our sit in New Mexico (one state east, short flight) that was to start 4 days later cancelled.

In order to take advantage of that reimbursement for the hotel, we would have had to go to New Mexico and book a hotel there while looking for other options. And trust me when I say there are few options for house sits or hotels in this remote part of New Mexico.

So we cancelled the flights we had already booked and started scouring the site for nearby sits. We were lucky and found one an hours drive away and only needed an Airbnb for two nights.

But of course, we paid for those nights as they weren’t covered in the cancellation insurance.

I’m sure it’ll come in handy sometime. We’ve had 3 sits cancel on us in 1 month. (Be safe out there y’all!).

As for the airport lounges - you only get two passes every 12 months, so if you are traveling with a companion/partner, you can use it for one journey. So choose your lounge wisely!

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