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Providing Protection Through Homestay Insurance

The Australian Homestay Network (AHN) has been responsible for ensuring both hosts and guests have appropriate and guaranteed insurance since we commenced our operations in 2008.

It is a requirement under the AHN program for hosts to have appropriate liability insurance protection for themselves and their guests and appropriate cover for guests’ belongings.

In 2017, AHN developed an exclusive insurance program in conjunction with its appointed Insurance Broker to provide protection for hosts and their guests under one policy. The policy has been designed specifically for AHN hosts and AHN-managed guests in a homestay situation. NOTE: People participating in other homestay programs are not covered by this policy and you cannot purchase AHN  insurance independently. 

All AHN-approved hosts and AHN guests are automatically covered under AHN’s insurance policy whilst an AHN placement is active.

The policy is underwritten by AXA XL.

A brief summary of the benefits are outlined below.

Period of Insurance:

From
01/01/2024

To
01/01/2025

Name of Insured:

Australian Homestay Network Pty Ltd and Homestay Host Families (as declared)

and

Homestay International Students and Eligible Asylum Seekers (as declared) and Eligible NDIS Participants (as declared) (Named Insureds)

and

Other Homestay Guests (who do not fall into the above categories)

Interest Insured:
Section A

Covers: Host Families of Australian Homestay Network Pty Ltd

 

Claimed by: Homestay International Students and Eligible Asylum Seekers (as declared) and Eligible NDIS Participants (as declared) (Named Insureds) and Other Guests

Indemnifying all Host Families of Australian Homestay Network Pty Ltd for their legal liability in respect of personal injury, property damage and advertising liability occurring during the period of insurance in connection with the hosts’ business or activity as a host family for Australian Homestay Network Pty Ltd as per the policy terms, conditions and exclusions

 

Limit of Liability: $20,000,000 any one Occurrence and in the aggregate for all Personal Injury and Property Damage occurring during the Period of Insurance including defence costs & expenses

 

Deductible(s): $500 each and every Occurrence including costs & expenses

All Other Guests
$1,000
each and every Occurrence including costs & expenses

Section B

Covers: Homestay International Students and Eligible Asylum Seekers (as declared) and Eligible NDIS Participants (as declared) (Named Insureds) and Other Guests

 

Claimed by: Host Families of Australian Homestay Network Pty Ltd

Indemnifying all Named Insureds of Australian Homestay Network Pty Ltd for their legal liability in respect of personal injury, property damage and advertising liability occurring during the period of insurance whilst residing with a host family for Australian Homestay Network Pty Ltd as per the policy terms, conditions and exclusions

 

Limit of Liability: $20,000,000 any one Occurrence and in the aggregate for all Personal Injury and Property Damage occurring during the Period of Insurance including defence costs & expenses

 

Deductible(s): $250 each and every Occurrence including costs & expenses

All Other Guests
$1,000
each and every Occurrence including costs & expenses

Section C

Covers: Homestay International Students and Eligible Asylum Seekers (as declared) and Eligible NDIS Participants (as declared) (Named Insureds)

 

Claimed by: Homestay International Students and Eligible Asylum Seekers (as declared) and Eligible NDIS Participants (as declared) (Named Insureds)

Indemnifying all Named Insureds for loss of personal effects happening whilst residing at the premises of an accredited host family for Australian Homestay Network Pty Ltd as per the policy terms, conditions and exclusions

 

Limit of Liability: $10,000 any one loss and in the aggregate

 

Deductible(s): $200 each and every Occurrence including costs & expenses

All Other Guests
$1,000
each and every Occurrence including costs & expenses

Territorial Limits:

Sections A & B
Australia wide

Section C
Whilst at the premises of the accredited host family only

The full policy document can be viewed here.

Special Conditions

Cyber and Data Total Exclusion – The policy does not extend to cover any losses connected to a Cyber-attack or incident.

Total Communicable Disease Exclusion – The policy does not extend to cover any losses connected to any communicable disease.

The coverage provided under this insurance only applies during the actual period when a guest is staying with an accredited AHN host.

 INSURANCE BROKER INFORMATION

Edgewise Insurance Brokers Pty Ltd

AFSL 307654

Email: homestayclaims@edgewise.com.au

Phone: 03 9425 1333

Postal Address: PO Box 3003, Burnley North, Victoria, 3121

For a copy of Edgewise Insurance Brokers’ Financial Services Guide, please click here.

Please get in touch with our Head Office team at info@homestaynetwork.org if you have any questions about the above.

 

IMPORTANT DISCLAIMER

AHN DOES NOT PROVIDE INSURANCE OR OTHER FINANCIAL SERVICES OR ADVICE. PLEASE NOTE THAT THESE ARE IMPORTANT LEGAL DOCUMENTS AND THAT IF YOU CANNOT READ OR UNDERSTAND ENGLISH YOU SHOULD ASK A QUALIFIED TRANSLATOR TO EXPLAIN THE DOCUMENTS TO YOU.

THIS IS A SUMMARY ONLY OF THE COVER AVAILABLE UNDER AHNINSURANCE AND DOES NOT INCLUDE REFERENCE TO IMPORTANT QUALIFICATIONS, CONDITIONS, LIMITATIONS AND EXCLUSIONS APPLICABLE TO THE INSURANCE. PLEASE REFER TO THE POLICY WORDING/PRODUCT DISCLOSURE STATEMENT FOR FULL TERMS, CONDITIONS & EXCLUSIONS OF THE POLICY.

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I was very thankful that my damaged carpet was replaced- the peace of mind provided knowing that your insurance would cover the damage helped me so much.