The Hartford doesn’t offer house-sitting insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is House-Sitting Insurance?
House-sitting insurance is made up of different types of business insurance coverages designed to help protect you from the risks you might face as you access and care for other people’s homes. Whether it’s a delivery driver slipping on an icy driveway that you forgot to salt or a client accusing you of theft, business insurance coverage can help protect you when things don’t go as planned.
A house-sitting insurance package can include these common types of coverages:
- Business Owner’s Policy (BOP)
- Professional liability insurance
- General liability insurance
Why Might You Need House-Sitting Insurance?
Having insurance isn’t just smart — it’s an important part of being the trustworthy professional your clients can count on. House-sitting insurance can help protect you from the risks you might face every time you take care of someone else’s home.
House sitting insurance can help protect your business from many potential situations, like:
- Property damage: You accidentally drop an expensive vase and break it.
- Accusations of negligence: A client claims their vintage rug was damaged while you were pet-sitting for them.
- Equipment loss: Someone steals your laptop while you’re house-sitting for a client.
Who May Need House Sitting Insurance?
Taking care of someone else’s home brings unique challenges. Business insurance coverage can help protect businesses offering:
- Professional house-sitting services
- Pet-sitting services
- Vacation home caretaking
- Remote house-sitting services
What House-Sitting Insurance Coverage Might I Need?
When it comes to protecting your house-sitting business, you’ll want coverage that matches your potential risks. Many house sitters have a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three types of coverage to help protect you from common risks:
General liability insurance helps protect your house-sitting business from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented tools, equipment and supplies you rely on to run your business. These can include:
- Keys or access devices
- Smartphone
- Laptop
- Cleaning supplies
- Flashlights, batteries
- Pet supplies
Business income insurance helps replace lost wages if you can’t operate temporarily because of covered property damage.
It’s important to remember that a BOP won’t cover every kind of claim you could face as a business owner. You’ll need to get other types of coverage to create well-rounded protection, including:
Commercial auto insurance to help cover the costs of an auto accident that occurs while you use a company-owned vehicle for work, like if you rear-end someone while heading to a client’s property.
If you use a personally-owned vehicle for business, you may want to consider hired and non-owned auto insurance.
How Much Does House Sitter’s Insurance Cost?
Although The Hartford doesn’t offer coverage for house sitters, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of house-sitting insurance varies because every business faces unique risks. Insurance companies may consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific house-sitting business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“I was unloading my van to bring equipment into my client’s house when a neighbor tripped and fell over one of my bags. They had to go to urgent care to treat some cuts and scrapes.”
General liability insurance helps cover claims that your business hurt somebody else. It can help pay their medical bills or your court costs if you get sued.
Professional Liability Insurance
“I was taking care of a house before it went on the market. My client sued me for damaging the floors and losing money on a potential sale.”
Professional liability insurance helps protect your business from claims that it made an error in the professional services given to a client. It can help pay attorney fees or other court-related costs.
Workers’ Compensation Insurance
“One of my cleaners slipped down the stairs at a client’s home while he was vacuuming. He had to go to the hospital and needed weeks of physical therapy.”
Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness.
Commercial Auto Insurance
“One of my employees was using our work car to check on a client’s property. She accidentally side-swiped the customer’s fence, and it had to be repaired.”
Commercial auto insurance helps cover claims of bodily injury or property damage your business causes when an employee uses a company-owned vehicle for work.
Care, Custody and Control (CCC) Coverage
“I accidentally spilled a drink on a client’s sofa and couldn’t get the stain out.”
Care, custody and control (CCC) coverage is an optional add-on that helps safeguard your business against claims of damage to property in your direct care. This coverage can be helpful since house sitters are entrusted with their clients’ belongings.
Business Income Insurance
“Someone broke into my storage unit and stole the tools and equipment I need to help take care of houses. I had to cancel a lot of appointments and refund my clients’ money.”
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage, like burglary or theft. This coverage can help pay your ongoing operating costs, like rent or utility bills.
Get a Quote for House-Sitting Insurance Options
Clients trust you with their most prized possessions. Make sure you’ve got the right protection to support your services. Get a quote through Tivly today.
Last Updated: April 30, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 National Safety Council, “Top 10 Preventable Injuries,” viewed April 2026.
3 U.S. Bureau of Labor Statistics, “Number and Rate of Nonfatal Work Injuries in Detailed Private Industries, 2024,” viewed April 2026.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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