Home Exchange

Everything that could go wrong with a home exchange

home exchange disaster
Coming home to this would ruin your vacation fun

Are you considering getting into home exchange? Or maybe your spouse is on the fence? Lots of folks considering home exchange have serious fears about theft, property destruction, and other problems. I find the home swap community overwhelmingly kind and honest. But some people do have bad experiences. Most of those bad experiences are minor, but I’ve heard a few horror stories over the years. So here I’m going to outline all the possible problems you might run into. And suggest some strategies to mitigate the risks. In the end I think home exchange is a very low risk activity with great potential for rewards.

Horror stories

An avid home exchanger shared a story about swapping her home in the U.S. for a place in Spain:

The man whom I exchanged my condo for 3 weeks (I arrived a week later than he did to mine) failed to tell me his house was empty. There were 2 beds, a sofa bed and a desk. The kitchen was bare, not even a toaster or mugs, a table with chairs fit for children and nothing but weeds and unkept garden.

Since we were gone all day and ate out we put up with it for a week, until the water heater quit working and we couldn’t take showers. The weather turned cold and the heater didn’t work, there were not enough blankets so we had to buy some. My complaints went unanswered.

We had to leave and go to a hotel. He finished his 3 weeks at my place and my manager said he never complained to her.

Apparently the Spanish man in question cancelled his membership on the home exchange website shortly after this swap. Last I heard, this woman was working with a representative from HomeExchange.com to try get compensated for her hotel costs.

Another swapper shared this story:

The worst exchange we had was a non simultaneous exchange – with them staying at our house first. They were caught by the neighbour leaving two days before the expected date. When she went in (after they had driven off) she was shocked. The place was an absolute tip. Every piece of the dinner service used and some broken. We had a 12 piece dinner service and there were only two of them. When they had filled the dishwasher they just left them piling in the sink – a large double Belfast sink piled high. The bathrooms were filthy and they’d used the bath as a rubbish dump. It took two days professional cleaning to get the place back in order – and ££ to replace the broken items.

I recall another story of a woman on a simultaneous swap to another country, traveling with her kids. The host needed to cut his vacation short and fly home. And he assumed it was ok for him to just show up back at the house where she and her kids were staying. He was not open to discussion about why this was inappropriate. Suddenly this woman was faced with a choice: share the home with a strange man or move out into a hotel.

Altecocker also has some stories of bad home exchanges among her many home swaps.

It’s inevitable that some home swap experiences are going to be bad. Humans haven’t (yet) worked out how to be good to each other all the time. And so sometimes someone with nefarious intent will get into a home exchange network and take advantage of other people. And sometimes we will fail to communicate, and with vastly different expectations, inevitably ending up with someone being disappointed.

What can go wrong? Home exchange disasters

If you are considering doing a home exchange, or even if you’re an experienced swapper, there are some potential problems to be aware of. Below I’ll describe the issues and then suggest some ways you can minimize the risks.

Dirty homes

Some of us have high standards of cleanliness, and others are perhaps comfortable living with a bit of dust and grime. My parents shared a story with me about friends in another country who invited them to visit. These friends offered the use of a vacation home for a few relaxing days alone followed by a visit in their primary home. It sounded like an ideal situation with free lodging, some time alone and some time visiting old friends. The vacation home turned out to be a disgusting nightmare of mold and dirt. This was actually a difference in expectations, as they found when visiting these same friends in their primary home.

messy house

This would be a really unfortunate home exchange

Stuff in the house doesn’t work

It sucks if you were hoping for a lot of relaxing time catching up on old movies and the home you exchange with doesn’t have a working TV. That’s not the end of the world, but if this is something you were expecting it might be a big deal to you. I once did a swap to a home that didn’t have WiFi. Unfortunately, my wife and I had planned to spend the long weekend catching up on work while relaxing in a cute town. That was rather inconvenient. They had internet, but only wired to one computer. We ended up spending a lot of time in local cafes. It was fine, but not ideal.

These problems don’t compare to the story of the hot water and heater not working and total lack of furniture, dishes and appliances. The WiFi and the TV are just problems of different expectations. The heat and hot water seem more like deliberate misinformation.

Destruction or theft of your property

While it doesn’t happen often, and is sometimes an accident, it can be costly and a horrible end to your vacation to come home to a mess or broken/stolen property.

Coming home to this would ruin your vacation fun

Coming home to this would ruin your vacation fun

House doesn’t exist

I’ve never heard a real story about this, but a home exchange scammer could theoretically do this. I bet it’s happened in the past at least once, and I’m sure it’ll happen in the future.

What would you do if you showed up at the exchange address and found a vacant lot?

What would you do if you showed up at the exchange address and found a vacant lot?

Exchanger has to cancel

This happens sometimes even among the best intentioned people. And sometimes people pretend to be committed but then change plans when something better comes along. If you have booked your trip and your swap partners back out you’re going to have to find alternative accommodations. And you might not be able to find an alternate swap. Even if your exchange partner made a formal commitment through a swap network, “commitment” doesn’t mean the other person has any financial obligation to you if they cancel.

What can you do to prevent these home exchange disasters?

Whether it’s a question of different expectations or malicious intent, there are a few things we can do to prevent problems.

Insist on pictures

If someone really lives in filth and thinks it’s normal that’ll show up in pictures. In reality most people don’t post bad pictures on home exchange sites. Everyone tries to portray their home in the best light possible. This is all the more reason why no pictures, or only one or two dark or vague pictures might be a red flag.

You can also ask for a video  tour of the home. I did this once when my potential swap partner had posted magazine photos of his home. He claimed it an actual magazine feature done on his flat. I wanted proof so I requested a video tour: it really was his place, it had been featured in a design magazine.

a listing with just this one picture is not a safe bet

This listing, with just one picture, is not a safe bet

Ask for references and verify them

Reviews are useful. On most home exchange networks you can’t write one unless you’ve done a swap. So it would be a lot of work for someone to fake not just their own membership but another one, just to create a fake swap and fake reviews. If they don’t have reviews they might still have references you can call. Again, not fool proof, but it takes a lot of work to fake these things.

I might not swap with someone who averaged 2 stars on their reviews

I probably wouldn’t swap with someone who averaged 2 stars on their reviews

Only swap with experienced exchangers

Even without reviews, if someone has done some exchanges and is still a member of the network they used it’s less likely they caused a lot of problems in the past. Note: some the people I quoted above complained that the home exchange networks did nothing to the person with whom they had the bad exchange. Accountability is very difficult for home exchange networks in these situations, especially if the other party claims nothing bad happened, and there was no theft or police report. So this tactic is far from foolproof.

Require insurance

Some home exchange networks offer insurance. I wrote an extensive piece on the value of home insurance for home exchange, and included information on which networks offer this option. For the most up to date list of networks offering insurance, check my spreadsheet of all networks, which now includes an “Insurance” column. Insurance offers peace of mind against damage or theft. And in the rare case of problems, insurance ensured you won’t have to fight with your swap partners to get paid back for expenses.

Set very clear expectations

I shouldn’t have to ask if the home has plates and cups, but if I need WiFi I should ask about it. Ask for whatever it is you need. This won’t help with deliberately misleading swappers, but in most cases this will help ensure you’re on the same page with your swap partner.

Wait until they buy tickets and prove it to you

This is something AlteCocker talks about  as a solution to the fickle uncommitted swapper. She won’t buy her tickets for travel until her swap partner proves they have bought theirs. As someone with a ton of experience doing home exchanges and a blog to prove it, I think AlteCocker has demonstrated she is not fickle, and so she can do this without her swap partners fearing that she might back out. But for other folks this could become a game of chicken where each party insists that the other buy their tickets first and both are afraid to commit for fear that the other person will back out. So this is not a foolproof solution as it only provides assurance for half the swappers.

airline tickets

Ask the home exchange network to help you

This isn’t always effective. Not all networks are willing to get in the middle of a dispute. And when they are, it can be painfully slow as they try to be fair and impartial. But I have heard about a few serious problems where the home exchange site stepped in with helpful resolutions. I can see why it’s hard for the exchange networks to help. There isn’t any financial penalty they can bring down on members who do bad things. Short of the type of fraud or theft you’d report to the police, this is a very hard thing for a home exchange network to police themselves.

Talk to your swap partners!

I think this is the most important piece of advice. Don’t just blindly enter into exchange agreements. Exchange some emails, have a phone call, and make sure you feel comfortable with your swap partners. Discuss expectations. Getting to know your exchange partner will help alleviate your fears, set appropriate expectations, and make for a better exchange experience.

What’s the worst case scenario

For most problems the worst thing that will happen is you end up having to pay for a hotel because the place you were supposed to stay is unusable for some reason. That sucks, and could cost you quite a bit of money if you were planning a long vacation. But at least it’s just the cost of a hotel, and you still get to enjoy your vacation.

sad face

The other (even worse) case scenario is that someone steals from you and/or destroys your property. This might just require some intensive cleaning. Or it might be a big expense to replace the stolen/destroyed items. Some of the cost could be covered by your home insurance policy or insurance from a home exchange network, but it still feels like a serious invasion of your privacy and someone has taken advantage of your trust.

Bottom line: beware that there are real risks to home exchanges. But there are also risks to leaving your home empty while on vacation (a prime target for robberies). And it’s easy to be disappointed with the services and features in hotels. The vast majority of home exchange experiences are overwhelmingly positive. And the folks I quoted above who had bad home swap experiences are continuing to do exchanges. The good far outweighs the bad, but it’s worth exercising a bit of caution when screening your exchange partners.


  • Accidentally lost this comment left today by Richard:

    80 odd mostly international home exchanges over 26 years and we are still delighted with the concept. Almost no damage to our place except a cracked glass table top which they paid for, and we broke a Nespresso coffee maker and an awning which we were delighted to pay for without involving homeexchange/com insurance scheme.
    Yes, occasionally houses not up to our standards (and possibly some people thought that of ours!) the most common we experienced was slow or broken wifi, wardrobes and fridges without space for our stuff, and a couple of times they were not there to meet us with the key.
    We always ask for a local phone number we can call if we need help in our language, and if any doubts there is nothing wrong with emailing them agreeing some rules about what happens if someone has to pull out, etc, but we gave up bothering with this as we had so few problems.
    Virtually everyone we have exchanged with has been great to deal with, and any slight disappointments with properties was more than outweighed by some of the amazing properties we have exchanged to!

  • We have been exchangers for over a decade, last month the host cancels the exchange after we made travel plans with tickets and itineraries, everything was confirmed despite homexchange.com admin had to confirm the guest points needed. We contact homexchange desperate about our holidays being ruined and they assure they will cover with the insurance an amount per night if they don’t find any alternative: due to the lack of offer in the country they offer to host us over 3hours drive away from our original destination (where other friends had booked to be together) and they say they won’t ask anymore the insurance to cover a refund per night as first agreed. I am italian and I guess for any tourist on holidays wanting to visit Venice it wouldn’t be the same to be protected completely in another area for example in Bari… They stopped answering and abandoned us in our completely ruined holiday as bitter never got away and we spent the worst time ever.

  • Do any home exchange networks provide a security deposit service? I would think that this might be a useful optional service for new members who don’t have any home exchange history. Settlements could be through arbitration or litigation. Skype pictures, before and after, would reduce disputes and resolution time.
    Of course there’s always a way to scam the system, and someone that will try.

    • I agree a security deposit makes a lot of sense. I suppose each person could take their own before/after pics though they’d need to make sure there is a time/date stamp on the pics and this seems like a lot of work to me. A security deposit service is offered by only two home exchange networks as far as I know GuesttoGuest and LoveHomeSwap. I reviewed all the insurance options by home exchange websites in this post if you want more detail.