This is generally not a problem area as most insurance companies are more than pleased to hear that your home will be occupied rather than left empty during the holiday.

In most cases you will find that your insurance policies (building and contents) will provide the usual cover whether your home is occupied by friends, relations or exchange partners. However, most policies will not cover you for theft from the home unless there is evidence of forced entry. This is a standard clause which applies whenever you leave your home; it is not something specific to home exchanging.

You may be aware that many insurance companies charge an extra premium if you are leaving your home empty for 30 days or more. They will generally waive this charge if the home is to be occupied by friends (which includes your home exchange partners) or relatives who are effectively your personal guests.