@WheresBabZ, there’s a few threads on Forum re Sit Cancellation Insurance. For example … Sit cancellation and Premium membership - #32 by GotYourBack
We’ve had two last-minute sit cancellations. One in California had oodles of other local housesits. Sit Cancellation Insurance allows THS to rebook housesitter within 20 miles of original sit, so insurance would be ineligible if lots other local housesitters. One in Europe where there were no other local housesits - we interacted with THS staff; carefully read terms of Sit Cancellation Insurance; and made a successful claim for alternative accommodation under Sit Cancellation Insurance. Note - read terms carefully - there are quirks.