Having proper insurance in place from Hipcamp or an external insurance policy that covers camping activities is required to be a Host on Hipcamp. When a Host has their own insurance policy, but is also eligible for coverage under the Hipcamp Insurance Policy, they can be covered by both at the same time.
Please note that the Hipcamp Insurance Policy will always provide secondary coverage to any other insurance plan that a Host has in place.
If you are a Host that has your own policy, please read it carefully to understand what kinds of activities it covers, and what might be excluded. You can then be aware of what claims may be accepted or denied under your own policy.
Please also review the details of the Hipcamp Insurance Policy to be able to take those details into account as well.
By agreeing to use your own insurance to Host on Hipcamp in addition to the Hipcamp Insurance Policy, you are confirming that you are aware of what is covered and not covered under both policies so that you can set appropriate rules for campers to ensure you are covered for all activities that take place on your property.