The sharing economy is rapidly gaining popularity. 普华永道预计它会 到2025年，全球收入达到3350亿美元. Before you jump in on peer-to-peer transactions, understand how they work and how to avoid financial pitfalls.
Ride-sharing companies such as Uber and Lyft connect individual 有需要搭车的人的司机. Passengers and drivers can screen each other, schedule rides 并以电子方式收取款项.
Home-sharing or peer-to-peer rentals are sites where people rent out rooms or entire homes to guests for extra income. 客人可以在网上找到酒店并付费 就像住酒店一样. The difference is that the property is often a privately owned apartment, 公寓或房子. 任何人都可以注册为主人或客人.
Goods & Services
A smaller segment of the sharing economy involves the lending of 个人物品收费. Lenders and borrowers advertise and rent items like power tools, golf 俱乐部或在线设计师服装. Or, someone seeks help from another individual online to help with tasks like packing boxes or housecleaning.
FAQ & Questions
Does my homeowners policy cover guest injury and 财产损失?
Many homeowners policies won’t cover guest injuries or property damage. Talk to the home-sharing company and your own agent to determine if you need additional liability coverage or special landlord insurance.
设定界限. Let guests know what items they can and can't use. It's not uncommon for a host to lock certain rooms that are used for storage, etc. 不要害怕向他们索赔.
What if I don't feel comfortable with the person renting?
相信你的直觉. 你总是可以选择拒绝 potiential客人.
- If paying guests cause damage when renting, will my policy 包括财产损失?
- What kind of insurance coverage do I need before driving 为了一项拼车服务?
- What if I’m injured in an auto accident while a passenger 在一辆拼车里?
- How is my property covered if I hire someone to help with 搬家、打扫房间或其他方便的工作?
- What if the person who rents my personal items loses or 损害这些物品?
Tips & Tools
Consider only renting to guests who show proof of homeowners, 租房人或个人责任保险. If your property is damaged you can report a claim 根据客人的政策.
回顾你的个人政策. 确认你自己的 homeowners, 租房人或个人责任保险 policies offer protection for damages you cause.
家庭共享用户协议经常改变. 一定要读 每次你都用小号字体.
和你的保险公司谈谈. 意识到个人汽车 insurance typically excludes coverage for business use or when drivers are "available for hire."
Fill coverage gaps for instances that aren’t protected by the ride-sharing company or your personal auto policy. 保费、承保范围、限额及 可用性因州而异. Check with your insurance provider to find out more about 什么是覆盖.
Know the extent of your protection in the event of an accident. Most ride-sharing companies have liability policies to cover any passenger injuries.
When lending goods like high-fashion clothing or a bicycle, be sure to get a security deposit to help cover any losses.
Capture photos and other information in a home inventory. Be mindful that for some items, you may not be able to locate an exact replacement.