Host Insurance Policy (Compulsory)

Sakura Haven Homestay – Host Insurance Policy

As a Sakura Haven Homestay host, you are responsible for maintaining suitable and sufficient insurance coverage at all times while hosting international students.

1. Insurance Requirements

Hosts must have valid insurance that includes:

Public Liability Insurance of at least $20 million, which covers:

Your liability (as the host) to your student guest(s),

The student guest’s liability to you (the host).

Please check with your insurer that both parties (host and guest) are covered under your current policy. If your insurer confirms coverage, request this confirmation in writing and retain it for your records.

Standard “Home and Contents” or “Contents Only” insurance does not usually include these coverages when non-family members (such as student guests) are living in your home.

2. Homestay-Specific Insurance

A specialised Homestay Host Insurance is available in Australia and designed to protect both hosts and students from accidental injury or property damage.

This policy includes:

A student accidentally damaging your property,

A student causing injury to you,

You or your family accidentally damaging a student’s belongings,

You or your family causing injury to a student.

Cost: Approx. $200/year
Coverage Limit: $20 million
Excess: $500 per claim
Covers up to 4 non-family student guests

You can apply here:
https://www.expressinsurance.com.au/homestay-insurance

3. Before Students Move In

Before welcoming any students into your home:

If you already hold this Homestay Host Insurance, please email a copy of your Certificate of Currency to [admin@sakurahavenhomestay.org]

If you hold another insurance policy, confirm with your insurer that it includes:

The host’s liability to the student guest, and

The student guest’s liability to the host.

It must specifically cover incidents of property damage and injury in both directions.

If your insurer confirms this in writing, please email a copy of their confirmation to us.

If your insurance does not include the above, please purchase the Homestay Host Insurance from the link above and send your Certificate of Currency to us as soon as possible.

It is also recommended to hold Home and Contents Insurance (or Contents Only Insurance if in a strata-titled property) with Accidental Damage Cover, to further protect your home.

4. Important Notes

Sakura Haven Homestay does not provide insurance cover for hosts or guests.

Hosts agree to indemnify Sakura Haven Homestay, its team, contractors, and guests from any liability, damage, loss, injury or claims arising during the homestay arrangement.

This policy is subject to updates. Please regularly review Sakura Haven Homestay’s host policies for any changes.

FAQ: [admin@sakurahavenhomestay.org]