Insuranks
Insuranks

House Sitter Insurance: Cost & Quotes From $15/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. House Sitting Insurance Requirements2. General Liability Insurance for House Sitters2.1. Add-Ons to General Liability Insurance for House Sitters2.2. Does General Liability Insurance Cover Injuries to Pets Under the Care of the House Sitter?3. Professional Liability Insurance for House Sitters3.1. Add-Ons to Professional Liability Insurance for House Sitters4. Commercial Property Insurance for House Sitters5. Add-Ons to Commercial Property Insurance for House Sitters6. Business Owner's Policy for House Sitters6.1. Add-Ons to  a BOP policy for House Sitters7. Tools and Equipment Insurance for House Sitters7.1. Add-Ons to Tools and Equipment Insurance for House Sitters7.2. What Are the Common Exclusions in a Tools and Equipment Insurance Policy for House Sitters?8. Commercial Auto Insurance for House Sitters8.1. Components of Commercial Auto Insurance for House Sitters8.2. Add-Ons to Commercial Auto Insurance for House Sitters8.3. Will My Personal Auto Insurance Cover Me While I’m House Sitting?9. Workers Compensation Insurance for house sitters9.1. Add-Ons to Workers' Compensation Insurance for House Sitters9.2. What Should I Do if I’m Injured While House Sitting?10. House Sitter  Insurance Cost11. Best House Sitter Insurance Companies11.1. NEXT House Sitter Insurance 11.1.1. Pros11.1.2. Cons11.2. CoverWallet House Sitter Insurance 11.2.1. Pros11.2.2. Cons11.3. The Hartford House Sitter Insurance 11.3.1. Pros11.3.2. Cons11.4. Tivly House Sitter Insurance 11.4.1. Pros11.4.2. Cons11.5. Thimble House Sitter Insurance 11.5.1. Pros11.5.2. Cons11.6. Hiscox House Sitter Insurance 11.6.1. Pros11.6.2. Cons

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.

House Sitting Insurance Requirements

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.


General Liability Insurance for House Sitters


CoverWallet NEXT (Best)ThimbleHiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
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


Add-Ons to General Liability Insurance for House Sitters

  • 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


Does General Liability Insurance Cover Injuries to Pets Under the Care of the House Sitter?

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. 

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.


Professional Liability Insurance for House Sitters


CoverWallet NEXTThimble (Best)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo


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. 

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


Add-Ons to Professional Liability Insurance for House Sitters

  • 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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Commercial Property Insurance for House Sitters


CoverWalletNEXT (Best)ThimbleHiscoxThe 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 signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keys Excluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


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 perils 

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. 


Add-Ons to Commercial Property Insurance for House Sitters

  • 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


Business Owner's Policy for House Sitters


CoverWalletThimble (Best)NEXT HiscoxThe 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?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes


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


Add-Ons to  a BOP policy for House Sitters

  • 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


Tools and Equipment Insurance for House Sitters


NEXT ThimbleHiscoxThe 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/$5,000NoYes
Miscellaneous equipment also covered?$5,000/$10,000NoYesYes
Offered as an endorsement to general liability insurance?YesYesYesYes
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


Add-Ons to Tools and Equipment Insurance for House Sitters

  • Replacement cost coverage–This add-on covers the full cost of replacing your tools and equipment rather than just their depreciated value


What Are the Common Exclusions in a Tools and Equipment Insurance Policy for House Sitters?

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.