Reply to Friend asked to stay at our house with another friend when we are not there.

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[quote=Anonymous]We had a vacation home insurance policy and later realized it only covered us and "immediate family". It covered liability for friends who were there - while we were also there - but the insurance would not cover if a friend stayed there without us.

Our adult children could stay there, even with their friends, but the key was the adult child was considered "immediate family".

At first (before we understood the insurance limitation), we let a few friends stay when we weren't there, but it was just a hassle. Items would get lost, like a laminated map to local hikes, which someone probably left in their car. Or I couldn't find the remote or a corkscrew when we returned to the house.

Then there was the whole problem of making sure the sheets, kitchen and bathrooms were clean and ready for us to show up late on a Friday night for a long weekend. One friend left a wet teabag in the teamaker which was moldy and smelly when we discovered it a month later.

I was so glad when I discovered the insurance limitation. It was much easier to tell friends we'd love to have you visit, but for insurance reasons, it needs to be a week when we are also there.

Check your insurance. For vacation homes, the "immediate family" limitation isn't unusual.[/quote]

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