Homestay Host Insurance Policy and Liability Waiver
Insurance Requirements for Hosts
As a host, you are responsible for obtaining and maintaining adequate liability insurance that protects both you and your guests. This insurance should cover:
- Your liability for any incidents arising from the student’s actions.
- The student’s liability for any damages or injuries that occur during their stay.For Renters
If you are renting, you must obtain written permission from your landlord to host students. Please present this documentation during the OZiHOUSE Host Interview and Site Inspection Visit.
Home Safety and Maintenance
You are also responsible for keeping your home safe and well-maintained. If you or someone in your household damages the student’s belongings, you must cover the repair or replacement costs. We recommend having property and liability insurance to cover any accidental damages.
Insurance Types
1. Public Liability Insurance 2. Home and Contents Insurance
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You must have a minimum of $20 million in public liability coverage. This should include:
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Host Responsibilities
You are solely responsible for maintaining insurance that covers damages, theft, or injuries that may occur during the homestay. We do not provide financial or insurance advice, so we strongly recommend consulting your insurance provider to confirm your coverage.
• Certificate of Currency: Please submit a copy of your Certificate of Currency (a document confirming your insurance policy is active) for relevant insurances when you renew them.
Important – Liability Waiver
By hosting students, you agree to indemnify OZiHOUSE, our staff, and students from any liability for theft, loss, injury, or damages to property or contents, including claims arising from the student’s actions during their stay.
Recommended Insurance
Whether you are a homeowner or a renter with permission from the property owner to host students, we strongly recommend purchasing specialised insurance tailored to the unique liability risks associated with homestays. This type of insurance covers both host-to-student and student-to-host liabilities, as well as third-party liabilities, which are often not included in standard home and contents insurance policies.
Actions for Hosts
- Get liability insurance that covers both property and personal liability to protect yourself and your students.
- If you rent, obtain written permission from your landlord to host students and present this during the Host Interview and Site Inspection Visit.
- Keep your home safe and well-maintained. If you or someone in your household damages a student’s belongings, you are responsible for covering the repair or replacement costs.
- Ensure you have public liability insurance with a minimum coverage of $20 million.
- Check that your Home and Contents Insurance covers third-party liability. If you’reunsure, ask your landlord.
- Email your Certificate of Currency for all relevant insurance policies to OZiHOUSEwhen you renew them.
- Consider purchasing specialised Homestay Insurance for comprehensive coveragetailored to your hosting needs.