Platform insurance vs independent insurance
On free-exchange platforms
THS, Nomador – usually some form of included coverage. Check the fine print; it varies and often has gaps. See our in-depth guide to the insurance gap for what's typically missing.
For paid work outside platforms
You're operating independently. That means arranging your own cover.
What housesitters typically need
Public liability insurance
Covers claims from third parties – e.g., someone trips over the dog lead, or the dog bites a visitor.
Care, custody & control
Standard public liability often excludes property “in your care, custody, or control” – which is basically everything when you're housesitting.
You need a policy that explicitly covers:
- • Pets in your care (injury, illness, escape)
- • Property you're responsible for (accidental damage)
- • Keys (loss, theft, locksmith costs)
This is the tricky bit. Not all policies include it. Always check.
Where to look (UK & Europe)
UK-based sitters
Pet Business Insurance
Designed for pet professionals. Includes public liability and care custody & control. Around £80-200/year.
Cliverton / Protectivity
Pet sitting and dog walking policies. Can be adapted for housesitting. Check the small print.
Europe-wide
Most policies are country-specific, which is challenging for nomadic sitters.
We're actively exploring partnerships for pan-European coverage. No promises yet – insurance is complicated – but it's on the roadmap.
For homeowners
When hiring a housesitter:
- Ask about their insurance before confirming
- Check your own home insurance – does it cover someone staying?
- Consider a written agreement covering responsibilities