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Magic City Insurance Group LLC

4268 Cahaba Heights Ct., Ste. 136
Vestavia, AL 35243

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Will my home insurance cover damages by a house sitter when I’m on vacation?

We go on vacations to have fun, to experience new things, and to let our daily anxieties fade away. Unfortunately, accidents can happen even when we take the right precautions and hire trusted individuals to house-sit our homes while we’re away.

Here at Magic City Insurance Group LLC, we get a lot of questions about the specifics of home insurance policies, including what happens when something goes wrong when the homeowner is away, and we’re always happy to help our Birmingham, AL clients get the answers they need!

Will My Home Insurance Cover Damages by a House Sitter When I’m On Vacation?

The most important thing that your insurer will look at when determining whose fault damages is will be whether the sitter was significantly negligent or purposeful in causing the damage. 

In cases where the sitter isn’t directly responsible for damages, you are likely going to be on the hook for them. For example, if you hired a house sitter to watch your dog and property and your dog caused water or structural damage to the home, then so long as your pet sitter went through a best-effort approach to mitigate the damage, you will be held responsible for the damages just as though you were at home.

However, if your house sitter caused damage to your home directly such as with burn damages from smoking inside or water damage from allowing the bathtub to overflow, then your insurance company will step in to provide legal and financial assistance to pursue damages from your house sitter under clauses similar to vandalism. 

Learn More About Home Insurance

For more information about Birmingham, AL home insurance policies and to get the best policy for your household, give our team at Magic City Insurance Group LLC a call today!

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