We're going away for a holiday and in a local group somebody offered to pet-sit for us. She seems like a decent middle aged lady who does tons for charity but just 2 weeks before our departure it has come clear that she expects to spend the night in our home. I don't think neither of us are necessarily comfortable with this, but we've never done it before. I'm almost certain she's not insured. DH thinks that maybe we should meet her and see what we think but also beg our groomer and see if he could take our doggie. We're also struggling to come up with an explanation that were uncomfortable with it without offending her.