Do you have a lodger?

We still cover you

  • Protects your belongings even when you have lodgers.
  • Cover with short-term or long-term lodgers.
  • Any type of lodger.
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Lodgers insurance

Home insurance for live-in landlords

What's the difference between a lodger and a tenant?

Although both lodgers and tenants rent rather than own, the difference is that a lodger lives with their landlord but a tenant doesn’t.

Get to grips with lodgers insurance

Letting your spare room makes good financial sense but it’s essential to be fully aware of the terms of your home insurance, as taking on a lodger could invalidate your cover and leave you significantly out of pocket should the worst happen. Live-in landlords must tell their home insurance provider that they are letting rooms in their property as there may be increased risks that could affect your premium.

You should also think about the impact that new lodgers can have on your cover. For instance, what is their credit history? Do they have a guarantor? Do they have any unspent criminal convictions? It’s useful to have this information to hand when adjusting your cover, as failure to contact your insurer could invalidate your policy and leave you with a hefty bill in the event of a claim.

When taking out home insurance with lodgers as a live-in landlord, you should double check the policy terms and exclusions. Generally, each party is responsible for their personal belongings, so lodgers should seek their own contents insurance. Landlords are responsible for the building as well as their own contents.

Living With Lodgers Checklist

Living with lodgers checklist

If you’ve got the space and are open to sharing then why not rent a room in your home? The extra income can be great, and who knows, you might make a friend.

Read the article

Home insurance with lodgers

  • Up to £500,000 as standard for loss or damage to the structure of your property or permanent fixtures.
  • Up to £25,000 legal expenses cover to pay for legal support for property disputes.
  • Up to £200 home emergency cover per callout to temporarily fix burst pipes, roof damage and failure of water, gas and electricity supply.
  • Public liability up to £5 million included.
Defaqto 5 Star home insurance
Does having a lodger affect your home insurance?

Does having a lodger affect your home insurance?

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Example lodger agreement

Example lodger agreement [Download]

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taking in a lodger an essential legal guide

A guide to taking in lodgers

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how to find a lodger

How to find a lodger

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What our customers say

Your questions answered

lodgers insurance

Lodgers insurance FAQs

Need more information? Visit our lodgers insurance FAQs section and get the answers that you need to protect your unique listed property.

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Great insurance and renewing was cheaper than previous year!! No need to search for cheaper insurance.
22 May 2017

Mr Smith, via Trustpilot

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