Should I get home insurance? .

[DanielandSusan0]

Too many people know my smart lock code. 

[Branka-and-Silvia0]

@DanielandSusan0  as far as I know the code can be easily changed on all digital locks. It takes about 5 seconds to change it. Don't you have the user manual for your lock?

[Brian2036]

@DanielandSusan0 

Yes, you should have insurance regardless of your locks.

It should specifically cover rental property.

[Sarah977]

@DanielandSusan0  Hosts generally change the code between each set of guests. Not doing so would be like giving guests a set of keys to take home with them.

But you need short term rental insurance regardless.

[M199]

@DanielandSusan0 

@Sarah977, @Brian2036 , @Branka-and-Silvia0 

Are all absolutely correct.  I change the digital lock code for Every guest.  I use the booking guests last 4 digits of their phone number on their reservation confirmation.  This virtually removes any potential of a past guest returning and intruding on current guests.  I also make it clear to guests that the digital pass code is only valid during the reservation period.

With regards to insurance, you need to obtain private commercial rental insurance.  Be aware, it may be difficult to get.  Home Insurance generally does not cover rental agreements.  Our broker of 30 years, never had an issue with them, worked hours and hours to get us coverage.

[Kath9]

@DanielandSusan0 

Don't you change your code for each guest? That's the whole point of a smart lock. Having home insurance is a separate issue and you should have it regardless of who knows your smart lock code.