House Swap Insurance Conversation Toolkit

What happens to your home and contents insurance when someone else stays in your home?

There's no universal answer.

Some policies may continue largely as normal when invited guests stay while you're away. Others may impose notification requirements, absence conditions or different rules for theft, accidental damage or damage caused by someone you've allowed into the property.

This toolkit helps you investigate how your own home/buildings and contents insurance responds before agreeing to a house swap.

It walks you through the policy wording worth checking, the questions to ask your insurer or broker, and the important distinction between your policy remaining in force and particular types of guest-related loss being excluded.

It includes layered follow-up questions, a ready-to-send insurer email, examples showing how insurers can approach these situations differently, a response record, decision guide and final checklist.

This toolkit doesn't tell you whether you're insured. It helps you ask the right questions to find out.



Designed to be useful across different insurers, policies and countries without assuming that house swapping is treated the same everywhere.