# Misleading Home and Contents Plan **URL:** \ **Category:** THS News & Feedback\ **Created:** [19 September 2026 09:17 UTC](https://forum.trustedhousesitters.com/t/misleading-home-and-contents-plan/80029 "2026-09-19T09:17:14Z")\ **Posts on this page:** 5\ **Page:** 1
**Author:** ![eamesreb33](https://avatars.discourse-cdn.com/v4/letter/e/8491ac/32.png) [@eamesreb33](https://forum.trustedhousesitters.com/u/eamesreb33)\ **Post date:** [19 September 2026 09:17 UTC](https://forum.trustedhousesitters.com/t/misleading-home-and-contents-plan/80029/1 "2026-09-19T09:17:14Z")
Pls read my review on Trust Pilot. I used that platform because I could not determine if the community forum was the right forum. ---
**Author:** ![Maeve](https://dub1.discourse-cdn.com/flex013/user_avatar/forum.trustedhousesitters.com/maeve/32/28858_2.png) [@Maeve](https://forum.trustedhousesitters.com/u/Maeve)\ **Post date:** [19 September 2026 09:26 UTC](https://forum.trustedhousesitters.com/t/misleading-home-and-contents-plan/80029/2 "2026-09-19T09:26:28Z")
Hello @eamesreb33 , Welcome to the Community Forum, the best place to get feedback from other members. ---
**Author:** ![Oztravels](https://dub1.discourse-cdn.com/flex013/user_avatar/forum.trustedhousesitters.com/oztravels/32/23700_2.png) [@Oztravels](https://forum.trustedhousesitters.com/u/Oztravels)\ **Post date:** [19 September 2026 15:01 UTC](https://forum.trustedhousesitters.com/t/misleading-home-and-contents-plan/80029/3 "2026-09-19T15:01:03Z")
I assume this is regarding your water damage? I looked at this some time as others have raised the issue over unsuccessful claims. It needs to be taken with an enormous bucket of salt. It’s basically marketing dressed up as comfort. The “This Plan is not an insurance policy” repeatedly mentioned in the terms is a huge red flag. Sorry you have experienced this. ---
**Author:** ![Cuttlefish](https://dub1.discourse-cdn.com/flex013/user_avatar/forum.trustedhousesitters.com/cuttlefish/32/24382_2.png) [@Cuttlefish](https://forum.trustedhousesitters.com/u/Cuttlefish)\ **Post date:** [19 September 2026 15:33 UTC](https://forum.trustedhousesitters.com/t/misleading-home-and-contents-plan/80029/4 "2026-09-19T15:33:36Z")
💯 this. It’s not an insurance policy at all. It’s a last resort if your home insurance won’t pay out and then only a maybe at best. It’s like the “cancellation cover”, only works if it fits all the boxes and is still at their discretion. I think it’s a bit odd that a home owner wouldn’t just claim on their own policy for damage though if I’m honest. We all have to have it for exactly these reasons, you wouldn’t claim against a house guest. #tsandcs ---
**Author:** ![GotYourBack](https://dub1.discourse-cdn.com/flex013/user_avatar/forum.trustedhousesitters.com/gotyourback/32/48153_2.png) [@GotYourBack](https://forum.trustedhousesitters.com/u/GotYourBack)\ **Post date:** [19 September 2026 15:33 UTC](https://forum.trustedhousesitters.com/t/misleading-home-and-contents-plan/80029/5 "2026-09-19T15:33:49Z")
@eamesreb33, sorry to hear of challenges. We suspect that each of the THS insurance benefits may provide cheap, limited coverage but sound rather smashing in marketing materials. The THS Third Party Liability Plan arguably has a misleading name. Unlike typical third party insurance, THS policy does not appear to cover any damage caused by a person (e.g. housesitter). Rather only to damage caused by a pet; provided that THS member is premium housesitter and not combo member. The THS Sit Cancellation Insurance is indeed valid but has material quirks that may invalidate many claims; other terms (e.g. alternative accommodation location) that may motivate housesitter not to claim; and coverage amount eroded by inflation. Topic raised multiple times by multiple people on THS Forum. As policyholder, THS could presumably improve this coverage. > [@First-time sitter experience – damage to couch and unclear insurance coverage](https://forum.trustedhousesitters.com/t/first-time-sitter-experience-damage-to-couch-and-unclear-insurance-coverage/71344/23): > > Thank you for a voice of reason. Yes, I am also in touch with THS on this. They are trying to push me to claim it with my insurance, only to get a rejection, and then they would replace my couch, through their insurance, for which I will still have to pay $250 deductible. As you, I assumed the sitter would have liability insurance and that she would feel responsible and accountable outside the strict platform regulations and avoid for me to end up with a negative insurance record (for nothing)… > [@3rd party liability](https://forum.trustedhousesitters.com/t/3rd-party-liability/79440/7): > > Given what happened, I don’t think they’d trust other THS sitters anyways. If instructions were clear and written down, I imagine the sitters will be held responsible. Very irresponsible of them.