House Sitter Insurance
Coverage built around the trust and access at the heart of house-sitting work.
What this coverage is intended to address
- ✓General liability for third-party bodily injury or property damage that may occur while you are caring for a client's home
- ✓Allegations that an oversight in your service — a missed task or care instruction — led to a client loss, addressed through professional liability insurance, also called Errors & Omissions (E&O) insurance
- ✓Accidental damage to the residence or its contents during a sitting assignment
- ✓Defense costs that may arise from a client dispute, in the event of a covered claim
Coverage products commonly considered
Most house sitter operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A house sitter accidentally leaves a faucet running and a client alleges water damage to flooring — general liability is generally intended to respond in the event of a covered claim.
- A client alleges the sitter failed to follow plant-and-pet care instructions, resulting in a loss. Professional liability / E&O may help respond to an allegation of this type.
Frequently asked questions
Why would a house sitter need insurance?
Because you have access to a client's home, an accident or alleged oversight can lead to a claim. General liability is intended to address third-party property damage, while professional liability, also called Errors & Omissions (E&O) insurance, is intended to respond to service-related allegations.
Does this help if I damage something in the home?
Accidental damage to a client's property during an assignment is the type of loss general liability is generally intended to respond to in the event of a covered claim. Terms vary by carrier and policy form.
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