For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
House sitter insurance can cover various situations. This can help cover expenses if a house cleaner causes some damage to the client’s house but you get blamed instead. Your policy will also come with a coverage that will cover lost income and workplace accidents. The client might also ask you to perform as a pet sitter and the animal may sustain injures.
When it comes to house sitting insurance coverage, there are certain requirements that you should keep in mind. One important aspect is lost key liability insurance, an add-on to general liability insurance.
Lost key liability insurance covers the cost of replacing lost or stolen keys and rekeying locks if necessary. This type of coverage can be especially important for you since you may have access to multiple properties and sets of keys.
An example scenario where this coverage could be useful is if you lose a set of keys while out running errands. With lost key liability insurance, you can cover the cost of replacing the lost keys and changing the locks rather than paying out of pocket.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
This insurance provides coverage if a third party is injured or their property is damaged while you are working as a house sitter. This policy helps protect you financially from potential lawsuits and legal fees.
Coverage limits for general liability insurance typically range from $100,000 to $1 million. Specific situations where general liability insurance can help include:
Accidentally breaking a valuable item while cleaning or performing other duties
Accidentally spilling water or other liquids on expensive furniture or flooring
A visitor getting injured on the property due to a slip, trip, or fall
Damaging walls, doors, or windows while moving furniture or equipment
Lost key liability insurance–This coverage can protect you if you lose or misplace your client's keys. It can help cover the cost of rekeying the property or replacing locks if necessary
Damage to rented premises–This add-on can help protect you if you accidentally damage the property you're renting for your house sitting services. It can cover the cost of repairs or replacement for damages caused by fire, smoke, water, or other covered perils
If you're a house sitter concerned about potential injuries to pets under your care, it's important to check with your insurance provider to see if pet injury liability coverage is available as an add-on to your general liability policy.Â
This coverage can help protect you if a pet under your care is injured or becomes ill while you're house sitting. By understanding your house sitting insurance coverage needs and working with a trusted insurance provider, you can ensure that you have the right coverage to protect yourself and your clients.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
Professional liability insurance, also known as errors and omissions insurance, covers claims of negligence or mistakes in professional services. The insurance can help protect you if you accidentally damage the homeowner's property or fail to perform your duties correctly.Â
Coverage limits for professional liability insurance typically range from $100,000 to $1 million. Specific situations where professional liability insurance can help include:
Accidentally spilling paint or staining the carpet in the homeowner's house
Not properly securing the house and allowing it to be broken into while you're house sitting
Forgetting to water the homeowner's plants and causing them to die
Abuse and molestation coverage–It's important to acknowledge that allegations of sexual abuse or molestation can happen. This coverage can help protect you in case of such allegations
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| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
Commercial property insurance covers damages to your business property, such as equipment, furniture, and inventory. For house sitters, this insurance can help protect you if your equipment or other property is damaged due to fire, theft, vandalism, lightning, and other covered perilsÂ
Coverage limits for commercial property insurance can vary but typically range from $10,000 to $1 million. The cost of this insurance can also vary, depending on the house sitting insurance coverage limits you choose and your location.Â
Business income coverage–If you cannot perform your house sitting duties due to property damage, business income coverage can help cover your lost income when it takes to repair or replace your property.
Flood insurance–This endorsement to commercial property insurance can cover financial losses in case a flashflood, coastal surge, or other similar events happen
| CoverWallet | Thimble (Best) | NEXTÂ | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $2,000,000 | $300,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $260,000 | $25,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
A business owner's policy (BOP) for house sitters is a comprehensive insurance policy that combines general liability insurance and commercial property insurance. This policy covers property damage, bodily injury, and personal injury to others that may arise during your house sitting work.
Coverage limits for a BOP policy can vary, typically from $500,000 to $2 million. This insurance can help in specific situations such as:
If a client or a third party is injured while on the client's property while you are house sitting
If you accidentally damage the client's property while house sitting
Employment practices liability insurance–If you have employees or work with independent contractors, EPLI can help protect you in case of an employment-related lawsuit or claim as discrimination or wrongful termination.
Customer property coverage–This will help you reimburse the losses of the client of his or her property got damaged while under your care, custody, and control
| NEXTÂ | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
If you use specialized equipment and tools for your house sitting services, such as gardening tools, cleaning supplies, or home security systems, you must protect them against damage, theft, or loss. Tools and equipment insurance is a type of insurance policy that covers the cost of replacing or repairing your tools and equipment in case they are damaged or stolen.
Coverage limits for this type of insurance will depend on your specific policy. However, typical coverage limits range from $1,000 to $10,000 per occurrence. Tools and equipment insurance typically provides coverage for a wide range of tools and equipment, including:
Lawnmowers
Gardening tools
Cleaning equipment
Power tools
Hand tools
Electronics such as laptops
Tools and equipment insurance can help in a variety of situations, including:
Theft or burglary of tools and equipment
Accidental damage to tools and equipment
Damage to tools and equipment caused by natural disasters
Loss of tools and equipment during transportation
Replacement cost coverage–This add-on covers the full cost of replacing your tools and equipment rather than just their depreciated value
Common exclusions in this policy include damages caused by intentional acts, normal wear and tear, or damage due to poor maintenance. Reviewing your policy carefully is important to understand what is covered and what is not.
