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Outdoor Insurance

24/7 Customer Support
Phone: 281.398.1010
Fax: 281.398.0909
Toll Free: 877.952.1010

Local: (281) 398-1010
Toll Free: (877) 952-1010
Fax: (281) 398-0909
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Hunting Insurance Outdoor Insurance Articles

Important Reasons for Guest House Insurance

Guest house insurance is a unique coverage, that is designed around your needs as a guest house owner.

Guest house insurance can be thought of as a hybrid of commercial and personal insurance policies, since it provides coverage to personal property, as well as commercial liability.

Many guest house owners assume that their homeowner’s policy will cover their guest house as well, however this isn’t always the case. Because a guest house is essentially a business, it has very specific insurance requirements that a homeowner’s policy just can’t cover. A guest house policy provides specific, and more extensive coverage than a home insurance policy. 

Here are some things that a guest home insurance policy can cover.

Guest House Contents
Contents insurance covers the loss of possessions and items in the guest house. Generally, this coverage extends to provide coverage for the loss of possessions due to fire, storm, or vandalism. When you consider how many items it takes to run your guest house, and add up the costs that would be involved to replace these things, the cash value of your possessions becomes apparent.

Liability insurance is one of the most important insurance policies for a small business to take out, as lawsuits can run into hundreds of thousands of dollars in claim judgments, legal costs, and court fees. You could be held liable should a guest, third party, or member of the public become injured on your property; even if the injury wasn’t directly your fault. Liability insurance covers you against legal fees and liability claims brought against you.

Theft or Forcible Entry
Since guests are often not security conscious, and there are usually many people coming and going at a guest house, guest houses are the perfect target for thieves. Guest house insurance provides coverage for theft, up to the amount specified on your policy.

Unforeseen Events
While you can’t prevent problems, such as pipes backing up or the air conditioner quitting, you can purchase unforeseen events coverage. This means that when something goes wrong, you can get the help you need with prompt repairs, and coverage for the costs involved.

Every guest house insurance policy is different, and it is important that you find one that is tailored to your specific needs. Since policies vary considerably, it is important to review your policy with your insurer, to make sure you are covered.

If you are the owner of a B&B or guest house, and are considering a guest house policy, please give us a call. We will be happy to discuss different coverage options with you, and answer any questions you may have.