Insurance is one of the few parts of a Ryder Cup rental that should be checked before a booking is accepted, not after a problem occurs. A normal household policy may have conditions or exclusions that change when paying guests use the property, and policies differ materially between insurers.
For event dates, accommodation options, suitable areas and travel guidance, visit our Ryder Cup 2027 accommodation guide.
This guide is a list of questions to take to your insurer or broker. It is not insurance advice and cannot confirm whether a particular policy covers an event-week rental.
Tell the insurer exactly what you plan to do
Explain that the property will be let to paying guests for a short, defined period during Ryder Cup 2027. Give the expected dates, maximum guest count and whether you will be living elsewhere during the stay.
Ask whether paying guests change the cover
Do not assume that ordinary visitors and paying short-term guests are treated the same way under your policy. Ask whether the insurer needs an endorsement, additional premium or a different type of cover.
Ask about public liability
Confirm what cover exists if a guest is injured at the property and whether any specific safety conditions apply. Fix obvious hazards before check-in regardless of the insurance position.
Ask about accidental and malicious damage
Find out what types of guest-caused damage are insured, what excess applies and what evidence would be needed for a claim. A refundable security deposit is not a replacement for insurance.
Ask about valuables and excluded belongings
High-value jewellery, cash, documents, specialist equipment and other valuables may have separate limits or exclusions. The safest operational approach is to remove or securely lock away anything you do not want guests to access.
Check theft and security conditions
Ask whether the policy requires particular locks, alarm use, key controls or evidence of forced entry. If guests receive keys or an access code, understand how that affects the policy.
Check vacancy and occupancy wording
If the household normally occupies the home, a paid guest stay may alter who is considered to be in occupation. Explain the exact arrangement rather than trying to fit it into a generic description.
Get important confirmation in writing
If the insurer confirms that the proposed stay is covered, keep the email, endorsement or policy document with your booking records. A verbal assumption is difficult to rely on later.
Insurance and the guest agreement do different jobs
The accommodation agreement can make guests responsible for material damage under the agreed terms, while insurance deals with covered losses under the policy. One does not replace the other.
Before you accept money
Confirm the insurance position, decide how the security deposit will work and record the property's condition before arrival. If the insurer cannot cover the proposed use, resolve that before confirming the rental.
