Looking for House Sitting Insurance?
Protect your house sitting business from property damage, pet injuries, liability claims, and key security issues. Harper provides tailored coverage for professional house sitters, pet sitters, and property caretakers.
What is House Sitting Insurance?
House sitting insurance protects professional caretakers from financial losses related to accidental property damage, pet injuries, service errors, and liability claims while caring for client homes. Coverage typically includes general liability, professional liability, and care, custody, and control protections. Homeowners, luxury clients, and property management companies often require proof of insurance before entrusting their property, pets, or keys.
Property Protection
Covers accidental damage to client homes, furnishings, appliances, and personal belongings while under your care.
Pet Care Liability
Protects against claims related to pet injuries, illness, or incidents involving animals you are responsible for during house sitting.
Professional Liability
Covers claims arising from service errors such as missed visits, improper care, or failure to follow client instructions.
Care, Custody & Control
Extends protection to property or pets entrusted to you while under your supervision.
Certificates
Fast proof of insurance for homeowners, property managers, and high-value clients.
Who Needs House Sitting Insurance?
- Professional house sitters : Businesses requiring specialized insurance coverage
- Pet and house sitting services : Businesses requiring specialized insurance coverage
- Property caretakers : Businesses requiring specialized insurance coverage
- Estate and luxury home sitters : Businesses requiring specialized insurance coverage
Why Harper?
House Sitting–Specific Expertise
Harper understands the risks unique to house sitting, including property damage, pet incidents, key security concerns, and trust-based client relationships.
Fast Proof for Clients
Homeowners and property managers often require insurance before engagement. Harper delivers certificates quickly to support client confidence and booking approvals.
Clear, Practical Guidance
We explain how liability, professional coverage, and pet care protections apply in real-world house sitting scenarios.
Coverage Tailored to Your Services
Whether you provide basic house checks, pet care, plant care, or full estate sitting, coverage is matched to your responsibilities and exposure.
Frequently Asked Questions
What insurance do house sitters need?
Most house sitters need general liability for property damage, professional liability for service errors, and pet care liability if animals are involved. Bonding is often recommended for key and security access.
Is house sitting insurance required?
While not legally required, many clients, especially luxury homeowners and property managers, require insurance before allowing access to their homes.
How much does house sitting insurance cost?
House sitters typically pay $300–$800 annually, depending on services offered, number of clients, and the value of properties and pets cared for.
Does insurance cover property damage?
Yes. General liability can cover accidental damage to client property when reasonable care is exercised during house sitting services.
Does insurance cover pet injuries?
Pet care liability can cover injuries or incidents involving pets while they are under your supervision.
Can homeowners be added as additional insureds?
Some clients request this. Harper helps determine when it’s appropriate and handles certificates or endorsements as needed.