Thank you Clare, that’s very useful information. I’ll check it out.
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Is it pet sitting insurance you have with them please?
yes - “pet minding” it’s called.
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I’ve actually just called them to make sure that my policy is still in effect - and it’s called Public Liability Insurance for Pet Minding. I was able to insure my own property (my iMac computer I take to sits with me) adding a separate policy add-on, normally your personal property isn’t covered.
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Update: There are insurance companies that provide pet sitting insurance for US pet sitters. I plan to check these out. The company @claresitsdogs mentions is in the UK.
My own house insurance provides me with $2,000,000 CAD personal liability insurance that follows me anywhere in the world.
I guess I assume any homeowner has their own insurance which likely covers any damage done to their home etc. If not, they can sue me and my insurance would cover it.
Thank you for your post @Rubos moving to the topic about the Membership Plans …
Thanks everyone
Thanks Clare
Can anyone tell me if the HO’s can take out any insurance in their own tiered membership that protects the sitters property in their home?
Just curious as my own Liability Indemnity insurance doesn’t cover this (I have to cover my property as a separate add-on) and as far as I know a HO’s home-contents insurance would not cover any damage to my property either?
I would be much more inclined to apply to a HO that had this - as I often worry want might happen if a pet was to accidentally damage my computer or tear up my clothes (or the like)? I’m sure most HO’s wouldn’t dream on not reimbursing me for this, but I’m sure many wouldn’t either.
I must admit Clare that you’ve got me seriously thinking about insurance while housesitting. It has crossed my mind but I’ve done nothing about it.
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My computer bag alone that I carry my 27" iMac around in is a good £150 to replace!
I assume you are a nomad without your own home and/or contents insurance? (They usually follow you, regardless of where you are in the world.)
Yeap! However read the SMALL PRINT as most contents insurance only covers items damaged by by fire, flooding, storms and theft (not by pets).
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I am in the UK and my home and contents insurance does not follow me
Hi!
Has anyone purchase the sit cancellation insurance and used it? Did you have a good experience when you had to use it? Was it easy to get reimbursed?
Thank you for any information
Cathy
Hi Cathy (@cyee ) … Welcome to the forum. We’ve moved your question here where there’s ongoing conversation about the new options on the tiered memberships, including those around insurance. All the best, Vanessa and the forum team
Oh that’s too bad. I guess every insurance company and policy is different. You might be able to look into finding another company with a similar price?
This is what mine says. I can also pay an extra premium to provide coverage for guests in my home. I don’t know how much extra that would be though.
This was really helpful thank you. It’s hard to look for this kind of thing as so many adverts for it but having someone say they’ve had experience with it is so super helpful.
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The problem with making any kind of a claim is unless it’s a big claim (such as fire damage), it’s not worth it. Most people have a deductible, often $500 or $1000, and after a claim is made it goes on your record and makes you a less desirable customer. Your premium may go up in price and after a couple of these claims, your company may throw you out. You then become an assigned risk and only certain companies will insure you at a very high cost. From what I understand, the THS insurance for HO only kicks in after you have made a claim to your own homeowner’s insurance company. It covers whatever your company does not – it also requires the sitter to admit fault, so may not be of any help.
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Yeah, I agree. Our insurance doesn’t have a deductible but I wouldn’t likely make a claim unless it was a large amount - also my credit card has some kind of insurance for items I buy as well so that might be able to be used as well. In the past, I’ve made a claim on my house insurance and found that only one didn’t have an impact, but multiples likely do.