Hi Phil from the safety team at World Nomads here. I assume you mean some kind of homestay, or bed-and-breakfast arrangement. Staying with a host for your trip to Nicaragua is a popular (and safe) way to see the country, especially Managua which can be dangerous for the inexperienced visitor.
A homestay can be the most satisfying way to see a destination - instant local knowledge. Just make sure you use a reputable company to arrange the visit. See if they'll give you contact details of travellers who've stayed in the home previously - and call them yourself for a report.
If you're still a "scrdmom" just don't take any valuables you couldn't face losing, register with your embassy, open up a credit card with a low limit (so if it's skimmed or stolen you don't lose your life savings), and have a backup plan. If you get to the private residence and you don't feel safe, trust your instincts and leave as soon as practicable. So make sure you have what would be needed to take out a hotel room on short notice.
But, do some homework before you leave, relax and enjoy the trip. My company has lots of good advice about staying safe and making the most of your travel, have a look at www.worldnomads.com. Start a journal and tell us how the trip went.
Phil almost 8 years ago