At Homier, we keep things simple: no strangers, no reviews, no public listings.
But even when you're hosting people you know, accidents can happen.
A broken lamp. A scratched floor. A slow leak no one noticed until checkout.
It's part of real-life hosting, and while it's rare, it's worth being prepared.
Here's how to make sure you're protected, and how to set up a system that respects your space and your guests.
Step 1: Check Your Home Insurance Policy
Most standard homeowner's insurance policies don't cover short-term rentals, especially when you're charging money, even if it's just to close friends.
But Homier isn't a public rental platform. It's invite-only, and you choose your guests. Still, it's smart to check if your insurance covers:
- "Occasional use by non-resident guests"
- "Named insureds" or permitted family/friend stays
- Accidental damage caused by visitors (not tenants)
Pro Tip: If you ever charge guests anything (even informally), ask your insurer how that affects your policy. Some may require a rider or short-term rental add-on, even if it's minimal.
Step 2: Create a Light Damage Policy
This isn't about being strict. It's about being clear. A good policy protects everyone.
What to include:
- A short note in your digital guest guide or welcome email:
"If anything breaks or stops working during your stay, just shoot us a quick message. We know accidents happen, no judgment, just helps us stay on top of things."
- Optional: Set expectations about how you'd like to handle damage:
"If something significant is damaged, we may ask for reimbursement to replace it, totally fair, totally informal."
- Keep a running inventory of anything expensive, antique, or sentimental, and store high-value items away if it gives you peace of mind.
Step 3: Trust the Circle, Not the Platform
With Homier, your guests are people you already trust, not anonymous bookings. That's why:
- There's no built-in damage deposit system (we're not Airbnb)
- There's no automated claims process (because relationships matter more)
- You're encouraged to handle issues personally, the way friends and family do, with honesty and respect
Most hosts find that the care guests show is better than what they got from public platforms. But a little clarity still goes a long way.
Step 4: Consider Backup Options
If you want an added layer of security:
- Ask your insurance broker about vacation rental-specific coverage
- Consider a blanket property damage rider for peace of mind
- If you're charging guests, set aside a portion of the income as a soft "wear and tear" buffer
Hosting, With Eyes Open
At Homier, we believe your home should stay personal, but that doesn't mean skipping the details.
You deserve clarity. So do your guests.
And a little planning means less stress if something ever goes sideways.
Because the best kind of hosting?
The kind that feels good before, during, and after the stay.
