Host & Guest Protection
WeCare
Insurance
for Everyone
WeHome provides government-certified shared accommodation hosts with comprehensive disaster insurance — protecting both hosts and guests at no extra cost.
Learn More →Disaster Insurance
Full coverage for accidents during shared accommodation stays
Host Protection
Government sandbox-certified hosts covered under WeHome policy
Guest Safety
Every guest automatically protected during their stay
About WeCare
What is WeCare Insurance?
WeHome’s WeCare program is a comprehensive disaster insurance policy provided to all hosts registered under Korea’s regulatory sandbox for shared accommodation — ensuring peace of mind for both sides of every booking.
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2026
Korea Regulatory Sandbox Program
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Automatic Enrollment
All WeHome hosts registered under the government special exception program are automatically covered. No separate application required.
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Government-Backed Program
Operates within Korea’s regulatory sandbox (실증특례), making WeHome the only legally compliant short-term rental platform of its kind.
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Dual Protection
Both hosts and guests receive protection under a single unified policy for every stay booked through WeHome.
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Zero Premium for Hosts
WeHome covers the insurance premium on behalf of qualifying hosts — there is no additional cost to participate.
Coverage Details
What’s Covered?
WeCare Insurance provides multi-layered protection across key risk areas during any WeHome stay.
Disaster & Accident
₩100M
Maximum liability coverage for bodily injury or accidental events during the stay period.
✓ Bodily injury to guests
✓ Host liability to third parties
✓ Accidental property damage
✓ Emergency medical expenses
Property Protection
₩20M
Coverage for unintentional damage to the host’s property caused by guests during a booking.
✓ Furniture & appliance damage
✓ Structural damage by guests
✓ Theft during stay period
Guest Belongings
₩5M
Protection for guests’ personal belongings lost, stolen, or damaged during their stay.
✓ Personal electronics
✓ Luggage & clothing
✓ Travel documents
Eligibility
Who Is Protected?
WeCare Insurance covers both sides of the WeHome marketplace — hosts operating under the special exception program and every guest who books through WeHome.
Hosts
Registered under Korea’s regulatory sandbox (실증특례) program
Both non-resident hosts (외도민업) and co-living hosts (외도민업) are covered
Active listing on the WeHome platform
Completed WeHome host onboarding and identity verification
No separate registration required — coverage begins automatically
Guests
Any confirmed booking made through WeHome platform
Both domestic and international guests are covered
Coverage active from check-in to check-out time
No action required — protection is automatic per booking
Valid for all property types listed on WeHome
Process
How Does It Work?
Simple, automatic, and seamless — WeCare is built into the WeHome experience from day one.
1
Apply for Special Exception
Host submits a sandbox registration application through WeHome.
2
Government Approval
After government certification, the host’s listing goes live on WeHome.
3
Auto-Enrollment
WeHome registers the host under WeCare Insurance — at no cost.
4
Protected Every Stay
Both host and guest are covered the moment a booking is confirmed.
FAQ
Frequently Asked Questions
Do I need to pay for WeCare Insurance? ↓
No. WeHome covers the insurance premium on behalf of all qualifying hosts registered under the government special exception (실증특례) program. There is no additional cost to hosts.
Am I covered as an international guest? ↓
Yes. All guests — whether domestic or international — are automatically covered for the duration of their confirmed stay through WeHome, from check-in to check-out.
How do I make a claim? ↓
Contact WeHome’s customer support team as soon as an incident occurs. Our team will guide you through the claims process and liaise with the insurance provider on your behalf.
What incidents are NOT covered? ↓
Intentional damage, pre-existing conditions, events outside the confirmed booking period, and incidents resulting from violation of WeHome’s terms of service are generally excluded. Please refer to the full policy document for details.
Does coverage apply to co-living (same-house) hosts? ↓
Yes. Both non-resident hosts (외도민업) and co-living hosts who share the accommodation are eligible for WeCare protection under the same policy.
Is WeHome legally authorized to offer this? ↓
Yes. WeHome operates under Korea’s regulatory sandbox program (실증특례), making it a government-certified legal shared accommodation platform — the first of its kind in Korea. WeCare Insurance is part of this certified framework.