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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 |
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 |
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 |
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.
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.
