The majority of insurance agencies, including the Insurance Center of Green Valley serving Green Valley, AZ, agree that your home is safer when it is occupied than when it is left empty. As a result, hiring a house sitter is a smart move.
However, a question that both homeowners and the person taking care of the house may have is – what will the homeowner’s insurance policy cover?
Insurance and Your House Sitter
In the majority of situations, the personal belongings that your house sitter brings with them will not be covered by your homeowner’s policy. However, it is important to note, if you hire a professional house sitter, they will likely have a policy that covers their personal items and adds protection for themselves if their negligence results in damage to the property.
What Do Homeowner’s Insurance Policies Cover?
In most cases, your homeowner’s insurance policy will include a limited amount of coverage for things such as medical payments, if the house sitter is injured while performing their job.
As far as your own belongings, there should not be an issue. As long as your list of contents in your home is up-to-date and you have paid your premiums, then everything you have listed should still be covered (even if damage or theft occurs while the home is being housesat).
However, every insurance policy is different, which means that you need to check with your insurance provider to ensure that your belonging and home will be protected – even when you aren’t there.
Special Coverage Considerations
Depending on how long you are going to be gone, and if your house sitter is part of your family, you may need to purchase a special policy. These are not always necessary, and it is best to discuss this with your insurance provider to determine if it is needed.
You can learn more about ensuring your home and belongings are covered while you are away by contacting the staff at Insurance Center of Green Valley serving Green Valley, AZ.