Home Sharing: Do You Really Have Coverage?

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Here are 3 questions you should ask when home sharing.

If you rent out your house or a room in your house, there is a good chance your personal insurance policy won’t cover any damages or injuries.

What are the risks?

Damages to your home, property, or belongings.
Injuries to a guest.
Damages to a guest’s personal belongings.
Damage to your neighbor’s property.

Am I covered?

Check with your agent or insurance company. Many homeowners’, condo, or renters’ policies exclude or limit coverage if the property is being rented out to others. Make sure to ask if your policy includes coverage for paying guests in your home or about other coverage options to make sure you’re protected.

What if I’m a guest?

Your homeowners, renters, or personal liability insurance policy may cover you if you damage a host’s property. You may want to read through your policy or contact your insurance agent before you rent out a space. If you are renting through an app or website that offers insurance coverage, ask your insurance agent if you need that protection.

Testimonials

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"I work as a lender and my staff sees a lot of homeowners insurance policies. When my personal homeowners policy went through the system from the purchase of my home, my staff said its the lowest premium they had ever seen. Not to mention they got it within minutes.. Highly recommend Jared at Hill Insurance."
Clair Semrad

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"I love it that every time we come in Jared makes the insurance process so much easier than it would be on our own! He explains everything so clearly and helps us save money! Totally recommend anyone that has any insurance needs to come see him, he's awesome!"
Denise Rivera

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"Jared is awesome and super easy to work with I recommend hill insurance to everyone. Insurance is a nightmare but he makes it easy."
Jared Obrien

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"I've been working with Jared Richards for close to 15 years that should say enough... They have been outstanding to work with. Anytime I have any questions they're always there to answer for me I will continue to use them for a long time if I can give them a 10 star rating I would."
Jared Clingo

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"I want to compliment Cory at Hill Insurance, on my meeting with her on March 1st. She was extremely helpful and patient with all my questions. It was very obvious she wanted to give us the best rates/discounts possible, plus she made sure I understood everything. A JOB WELL DONE! A 10 star employee! Great place to shop home and auto insurance as well as any and all commercial needs!"
Chelsea Ricks

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"Jared takes the time to listen to his clients and watch out for their best interest. I've seen him help his clients really make an educated choice about what insurance plan they need and then walking them through the process when they experience damages. A super straight agency."
Steve P.

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