We've got your back
We are thrilled to provide hosts with our full support and the peace of mind that they will be taken care of in the rare event of a camper injury or property damage. The Hipcamp Insurance Policy protects you in the United States, Australia, Canada, UK, France or any US or Canadian territories. Our Hipcamp Insurance Policy protects hosts for up to 1 million USD for general liability claims per occurrence. If your property resides outside of these areas, please know we are working on getting you additional insurance options as quickly as we can. In the meantime, we require that you have your own proper liability insurance to cover camping related activities on your property or for your structure.
Hipcamp Insurance Policy
In order to have a live listing on Hipcamp and receive bookings, it is required you have the proper insurance in place. There are two ways to be covered:
- Leverage your own commercial insurance policy. If you have one, this will be your best bet!
- Qualify to be covered under Hipcamp's own Insurance Policy. Qualified hosts will be protected for up to the policy limit for general liability claims per occurrence. This policy would be in excess to your homeowner's insurance, and in the event you do not have coverage under a homeowner's insurance, this would act as your primary coverage.
In order to qualify to be covered under Hipcamp’s Insurance Policy, you must:
- Never have been convicted of a felony;
- Have no homeowner’s or renter's liability claims against you in the past 3 years;
- Indicate that you are not a commercial campground in your Host Dashboard
- Listed Property must be in the United States, Australia, Canada, UK, France or US/Canadian territory.
To list your land and see if you qualify for our Insurance Policy, get started here!
How does the Hipcamp Insurance Policy work?
Hipcamp provides Registered Hosts insurance for third party claims through the Hipcamp Host Protection Plan. The Insurance Policy covers both Hipcamp and its registered Hosts as insureds. This insurance does not replace a Host’s homeowners policy, but rather is designed to provide liability protection not typically afforded by a homeowners policy. Insurance is provided at no additional charge, for all bookings processed on the Hipcamp platform. Insurance is only available to valid, uncancelled bookings made through hipcamp.com. It is the responsibility of the host to confirm any changes to their eligibility under the requirements listed above.
Download a summary of the Hipcamp Insurance Policy.
Hipcamp Property Protection Plan – Only available in the US, Canada, UK, France and Australia.
The Property Protection Plan provides reimbursement for up to $10,000 in damages to eligible property in the event a camper damages a landowner’s property during their confirmed stay, and the issue is not resolved by direct payment from the camper.
Not all damage caused by campers is covered under the Hipcamp Property Protection Plan. It is recommended that you find an insurance plan to cover losses not protected by the Property Protection Plan.
This is not an insurance policy and should not be considered as a replacement or stand-in for homeowners or commercial insurance.
The Property Protection Plan is at no additional charge to Hosts.
Landowners seeking payment under the Property Protection Plan must cooperate with Hipcamp and its insurers, including providing documentation of the loss they’re claiming and agreeing to inspection if necessary.
This plan does not cover damage or loss of the below:
- Trees, lawns, or other plants
- Vehicles that were in motion when they were damaged
- Personal liability (please refer to the Hipcamp Insurance Policy)
- Shared or common areas such as kitchen, showers, restrooms, etc.
- Personal items in the home including jewelry, artwork, etc.
- Reasonable wear and tear of land and amenities
- Reasonable or expected wear and tear of land from vehicles in all weather conditions
- Loss of income related to damaged property
- Unexplained or mysterious loss that was discovered when taking inventory
How to Report Damage to Hipcamp
If you believe a camper has caused property damage or loss, you need to contact Hipcamp Support within 14 days of the camper’s check out (or before the next camper checks in, whichever is earlier) to notify Hipcamp of the property damage. You should also file a police report.
Landowners seeking payment under the Property Protection Plan must cooperate with Hipcamp and provide documentation of the damage upon request. Examples of documentation:
- Photographs or video of the damage
- A police report for any damage
- Receipts or evidence of the accurate fair market value of original property
- Repair estimate from a third party
- Proof of ownership of the damaged or stolen property
Special note in regards to reimbursement requests involving labor costs:
- Hipcamp can reimburse Hosts for third party labor costs included in an approved official invoice
- Hipcamp cannot reimburse Hosts for their own hourly labor and stated rates if the Host is doing the repair themselves. Hipcamp can reimburse Hosts for materials used in a repair with official receipt documentation
Hipcamp will reach out to the camper to understand the full narrative, negotiate the issue, and evaluate your payment request.
Hipcamp will review both sides and determine whether the camper should be held responsible for property damage payment.
If the camper is deemed responsible, Hipcamp will collect funds from the camper and transfer to you with no fees or charges.
If the camper is refusing to reimburse for the damage they were responsible for, Hipcamp will transfer funds to the Host if reimbursement or replacement of the damaged property is in line with the above criteria and if the estimate is comparable to others that could be obtained.
This process can take two to three weeks while all of the details are examined.