Shared house insurance FAQs

All your questions about shared house insurance, answered online
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I need to insure my stuff but I live in a shared house – do I need a separate lock on my door?

What is a multiple occupancy home?

Who is responsible for repairs in a house share?


I need to insure my stuff but I live in a shared house – do I need a separate lock on my door?

No, there's no need to install a specific lock on your bedroom door for insurance purposes. However it is wise to make sure that the locks on the external doors to the property are sturdy and comply with the British Standards. To make a claim for theft of your belongings from the shared home, there will need to be signs of damage caused by the thief when breaking in, for the claim to be accepted.

What is a multiple occupancy home?

A house in multiple occupation (HMO) is a rented property where at least three people who are not directly related by blood or marriage share facilities like a toilet, bathroom and kitchen.

If you are a landlord, you must contact your local council for a licence to rent out your property as an HMO. A licence is valid for up to five years.

Who is responsible for repairs in a house share?

The landlord is responsible for maintaining the property in a good state of repair. They will either take care of this directly, or if it is fully managed then via a letting agent. If however you damage the property by accident then you will likely have to pay for repairs, or the cost of repairs will be deducted from your deposit.