Homeowner's insurance to be cancelled because of dog sitting??

I had no idea ether, but its something to note

Thanks for posting the question. i had no idea.

Traditional homeowner’s insurance policies include liability coverage that protects you in the event that your own dog bites someone. But such policies wouldn’t cover you if you are hosting someone else’s dog for a fee and that dog bites someone, says Loretta Worters, a spokeswoman for the Insurance Information Institute, an industry group.

“If you are hosting dogs and accepting fees, then that’s a business,” Ms. Worters said in an e-mail. “And if it’s a business, then you wouldn’t be covered under your homeowner’s policy.”

Rather, you would need to purchase specialty “pet business” insurance, which covers groomers, kennels, dog sitters, dog walkers and dog boarders. (You can also add “animal bailee” coverage, she said, which pays for the direct loss of animals that a client leaves in your care. (Reference came from NY Times Article about Dog Vacay.)

Hope this helps!

This is confusing. According to Rover Insurance FAQ's. "How do I know if I'm eligible to file a claim?

"To qualify, the stay or walk related to the claim must have been booked on http://Rover.com. Premium insurance acts as a supplemental insurance, so your first step should be to file a claim with your personal pet or homeowners' insurance. "

So I understand that we pay for a "supplemental" insurance? This is one thing I feel I don't get my money's worth since they take 20% of my earnings. I do appreciate the advertising and website tools we have.

There is no way I would claim against my homeowner's insurance since this is a business. If Rover insurance is just supplemental, I feel we should be given the option to purchase a business policy and provide proof of coverage ourselves and get more of our earnings so we can pay for it. If I have to file a claim with another insurance, why would I need to buy more insurance from Rover?

Most insurance companies do not want the added liability that comes with running a business out of the home, especially one that involves animals. Many homeowner's and renter's policies require a higher premium if you have pets (or won't cover you if you have certain breeds). This is very typical of most policies, and is largely not a regional thing.

My suggestion would be to get a dog sitting insurance policy. They're generally not very expensive, and cover most business related issues.

I am in Palm Bay. My Palm Bay City business license says:

Restriction:NO KENNELING AT LOCATION and Comments: OFFICE ONLY-NO CLIENTELE AT LOCATION

That's why she said that. Your business license might say the same thing.

My homeowner's insurance has absolutely nothing to do with my business insurance.
My "office" is located in my home, plus when you got your business license, it should have asked you about kenneling, grooming, etc. even a bunch of zoning crap. My pet insurance does not cover my home because my business license says I can't have clientele at home. So of course, I don't get the extra insurance.