Forum Discussion
valhalla360
Mar 20, 2016Navigator
themoreweexplore wrote:
@valhalla If you did trade work, or let them stay for free, would your regular insurance cover it? In other words, does money have to exchange hands, or is "trade work" still considered commercial?
I'd like to get a piece of property someday and host other RVers.
Ultimately, you need to run it by your insurance agent and check against the insurance contract.
If by "trade work" you imply some sort of barter, probably yes assuming you don't lie about it. The problem is do you want to trust some random guy you only know from the internet who got a free/cheap nights stay to commit insurance fraud by claiming there was no business arrangement?
Totally free, is probably a gray area. Letting a friend stay a couple nights for free is likely covered as insurance assumes reasonable use of the property for personal use and a friend camping on your back 40 could be considered reasonable. The gray part is if a random guy you've never met except for the purpose of lending out a camping spot qualifies as a friend.
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