To ensure our hosts feel completely secure when sharing their homes, Kindred provides two distinct layers of protection:

1. Liability Insurance - Third-party insurance that protects you if a guest gets hurt or their personal property is damaged during a stay.

2. The Damage Protection Program - A Kindred-run reimbursement program that covers damage to your home or belongings caused by a guest or cleaner.

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Liability Insurance

Our Liability Insurance is real insurance underwritten by The Hartford and offers up to $1,000,000 per incident with no deductible.

It covers:

  • Medical payments, judgments, settlements, and defense costs if a guest is injured at your property (e.g., a slip and fall).
  • Damage to a guest's personal belongings caused by an incident at your home.
  • Accidents involving equipment guests use with your permission, such as a provided bicycle or kayak.
  • Family members living at the property.

Note: This is excess coverage, meaning your primary homeowners or renters insurance pays first. You must report any liability incidents to all of your active insurance policies.

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Damage Protection Program

Unlike the Liability policy, this is a reimbursement program managed directly by Kindred, not an insurance policy. It reimburses you for damage to your own home or belongings caused by a guest or a Kindred-coordinated cleaner, up to $100,000 per stay.

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To learn more about the coverage, reporting, and exclusions, view Kindred's Damage Protection Program.