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Hipcamp’s liability insurance is available for eligible properties in the United States, Australia, Canada, the United Kingdom, France, and US and Canadian territories. Coverage limits and certain terms and exclusions vary by country, as outlined below. Insurance coverage is subject to the applicable policy and Hosts adherence to the requirements below. Hosts should read and understand all the details below for their relative country of operation, including the exclusions list.

Hipcamp Liability Insurance: How It Works

To maintain a live listing and receive bookings on Hipcamp, you must have appropriate insurance in place. You can use your own commercial insurance covering your hosting activities or, if eligible, opt into Hipcamp’s liability insurance.

Hipcamp’s insurance covers Hipcamp and eligible registered Hosts for third-party bodily injury claims for which they are legally liable, including allocated defense costs. Coverage is provided at no additional charge for valid, uncancelled bookings processed through the Hipcamp platform.

How Coverage Works With Your Existing Insurance

Hipcamp’s liability insurance covers eligible activities directly related to Hipcamp bookings. It does not replace your homeowners, farm, or commercial insurance, which we strongly encourage you to maintain for activities and risks outside Hipcamp coverage. For example, incidents related to operating a public farm stand are not covered by Hipcamp’s policy.

Hipcamp’s coverage applies in excess of other valid and collectible insurance and may act as primary coverage when no other insurance covers the claim, subject to the applicable policy’s terms, conditions, and exclusions.

Eligibility

To qualify for Hipcamp’s liability insurance:

• You must never have been convicted of a felony.
• You must have had no homeowners or renters liability claims against you in the past three years.
• Your listed property must be in the United States, Australia, Canada, the United Kingdom, France, or a US or Canadian territory.
• You must opt into coverage through the Host dashboard and provide your legal name.

Hosts are responsible for notifying Hipcamp of changes that affect their eligibility.

How to Opt In

Open your Host Dashboard and select Insurance from the menu. Complete your details to confirm whether you qualify and opt into coverage. You must provide your legal name to ensure coverage.

United States

Eligible Hosts with properties in the United States, including US territories, have the following liability coverage limits:

• General liability: $1,000,000 USD per occurrence and $5,000,000 USD in aggregate, excluding animal incidents.
• Animal incidents: $250,000 USD per occurrence and $1,000,000 USD in aggregate for any incident brought on by a Host owned animal, including dogs. Horseback riding and dogs with prior bites or attacks are not covered under the policy.

The aggregate limits noted are measured on an annual basis and are shared by Hipcamp and all insured Hosts; they are not separate limits for each Host. Claims paid under the policy reduce the coverage remaining for other claims.

Animal incident coverage is no longer restricted to a list of approved animals and applies to all Host owned animals, including dogs. Host owned dogs with prior bites or attacks and horseback riding are not covered under the policy. Hosts are expected to abide by applicable laws and local regulations with respect to animal ownership and maintain control of their animals at all times to create a safe environment for Campers.

The shared exclusions below also apply.

Australia

Eligible Hosts with properties in Australia have the following liability coverage limits:

• General liability: $10,000,000 AUD per occurrence and $10,000,000 AUD in aggregate, except dogs with a documented history of non-defensive violent attacks resulting in bodily injury to animals or humans and horseback riding, which are not covered under the policy.

Hosts with animals, including dogs, are expected to comply with all applicable local, state or territory, and Commonwealth laws and regulations regarding ownership of such animals. Hosts are expected to maintain control of their animals at all times to create a safe environment for Campers. Host owned dogs with a documented history of non-defensive violent attacks resulting in bodily injury to animals or humans and horseback riding are not covered under the policy. Here are relevant links to local regulations (this is not a complete list and other laws may apply where you live):

• New South Wales
• South Australia
• Victoria
• Queensland
• ACT
• Northern Territory
• Western Australia
• Tasmania

The shared exclusions below also apply.

Canada, United Kingdom and France

Eligible Hosts with properties in Canada, including Canadian territories, have the following liability coverage limits:

• General liability: $1,000,000 USD per occurrence and $5,000,000 USD in aggregate, excluding animal incidents.
• Animal incidents: $250,000 USD per occurrence and $1,000,000 USD in aggregate for any incident brought on by a Host owned animal, including dogs. Horseback riding and dogs with prior bites or attacks are not covered under the policy.

The aggregate limits noted are measured on an annual basis and are shared by Hipcamp and all insured Hosts; they are not separate limits for each Host. Claims paid under the policy reduce the coverage remaining for other claims.

Animal incident coverage is no longer restricted to a list of approved animals and applies to all Host owned animals, including dogs. Host owned dogs with prior bites or attacks and horseback riding are not covered under the policy. Hosts are expected to abide by applicable laws and local regulations with respect to animal ownership and maintain control of their animals at all times to create a safe environment for Campers.

The shared exclusions below also apply.

Properties in Other Countries

Hipcamp’s liability insurance is not currently available for properties outside the locations listed above. Hosts in other countries must maintain their own appropriate liability insurance covering camping and hosting activities on their property or in their accommodation.

Shared Liability Insurance Exclusions

Not every activity or claim is covered. In addition to the country-specific restrictions above, exclusions include the following. This exclusion list applies to all geographical areas.

Alcohol-Related Liability

Alcohol-related injury or damage where a Host contributes to a camper’s intoxication, including the Hosts manufacturing, distributing, selling, serving, or furnishing alcohol is excluded.

Weapons and Hunting

Injury or damage related to the use, ownership, or interaction with weapons including: firearms, bows, and knives are excluded. injury or damage related to hunting is also excluded.

Fireworks

Injury or damage related to explosives, fireworks and other pyrotechnics is excluded.

Rock Climbing

Injury or damage related to rock climbing is excluded.

Aircraft, Vehicles, and Watercraft

Injury or damage related to operating aircraft, motor vehicles, or watercraft is excluded. Renting aircraft, watercraft, or motor vehicles (including ATV’s, side by sides, or similar) as accommodation is also excluded.

The policy summary identifies these exceptions, subject to other policy terms, conditions, and exclusions:

• Stationary vehicle accommodation: Hosts renting out an RV, trailer, bus or other vehicle as the booked accommodation may be covered for injury or damage arising from someone occupying or interacting with it, provided the vehicle is properly parked and secured and is not being driven or towed.
• Certain non-motorized watercraft: Non-motorized boats under 26 feet long, such as kayaks, canoes, or paddleboards, may be covered if included as part of a valid Hipcamp booking.

Mobile Equipment and Racing

Injury or damage resulting from transporting or using mobile equipment, including farm equipment, is excluded. This also includes equipment used for prearranged racing, speed, demolition, or stunting activities. Racing activities and experiences are excluded.

Abuse, molestation and assault

Injury or damage related to abuse, molestation and assault is excluded.

Expected or Intended Injury

Injury or damage that an insured expected or intended is excluded.

Pollution

Injury or damage caused by contact with pollutants is excluded, as are losses, costs, or expenses associated with interacting with pollutants.

Employment-Related Liability

Liability arising from an employee’s work-related injury, including related claims involving the employee’s spouse, child, parent, or sibling, is excluded.

The policy does not cover a Host’s obligations under workers’ compensation, disability benefits, or unemployment compensation requirements.

Contractual Liability

Liability a Host assumes under a contract requiring them to pay damages is excluded, subject to the policy’s terms.

Communicable Diseases

Coverage excludes transmission of a communicable disease by an insured, an insured’s employee, or an insured’s subcontractor.

Coverage also excludes failure to perform services intended or assumed to prevent communicable diseases or their transmission.

How to Report a Liability Incident

Contact Hipcamp Support immediately if an incident occurs on your property that may fall under Hipcamp’s liability insurance. Our team will review the situation and help with next steps.

Hipcamp Host Property Protection Plan

Available in the United States, Canada, the United Kingdom, France, and Australia.

The Host Property Protection Plan is separate from Hipcamp’s liability insurance. It provides reimbursement of up to $10,000 USD for eligible property damage caused by a camper to Hosts property during a confirmed booking made through the Hipcamp platform when the issue is not resolved through direct payment from the camper.

The plan is available at no additional charge to Hosts.

This is not an insurance policy and does not replace homeowners or commercial insurance. Not all damage is eligible. Hosts should maintain appropriate insurance for losses the plan does not cover.

Under Hipcamp’s Terms of Use, campers are responsible for property damage they cause. If a camper does not pay, Hipcamp may reimburse Hosts for eligible repair or replacement costs under the Property Protection Plan.

What the Plan Does Not Cover

The plan does not cover:

• Damage to or loss of animals.
• Damage to trees, lawns, or other plants.
• Damage to vehicles that were moving when damaged.
• Damage caused by moving vehicles; a claim should be filed with the applicable auto insurer.
• Personal liability; see the liability insurance sections above.
• Damage to shared or common areas, such as kitchens, showers, or restrooms.
• Damage to or loss of personal items in the home, including jewelry and artwork.
• Reasonable wear and tear of land or amenities.
• Reasonable or expected wear and tear of land from vehicles in any weather conditions.
• Lost income related to damaged property.
• Unexplained or mysterious losses discovered during inventory.

How to Report Property Damage

Contact Hipcamp Support within 14 days of the camper’s checkout or before the next camper checks in, whichever is earlier. You should also file a police report.

Hosts requesting reimbursement must cooperate with Hipcamp and its insurers, provide documentation of the claimed loss, and allow an inspection if necessary.

Supporting documentation may include:

• Photographs or video of the damage.
• A police report.
• Receipts or other evidence of the property’s accurate fair market value.
• A repair estimate from a third party.
• Proof of ownership of damaged or stolen property.

Repair and Labor Costs

Hipcamp can reimburse eligible third-party labor costs included in an approved official invoice.

If you complete repairs yourself, Hipcamp cannot reimburse your own hourly labor or stated rates. Eligible materials may be reimbursed with official receipts.

What Happens After You Report Damage

Hipcamp will contact the camper, review both accounts, and evaluate the reimbursement request.

If the camper is responsible, Hipcamp will seek payment from the camper and transfer collected funds to you without fees or charges.

If the camper refuses to pay, Hipcamp may reimburse eligible repair or replacement costs under the plan, provided the claim meets the plan’s criteria and the estimate is reasonable compared with other available estimates.

Review typically takes two to three weeks while the details are examined.