Home Insurance with Lodgers

Do you have lodgers?

Many households decide to take in a lodger to gain an extra source of income, and while the law is relatively relaxed about this, your home insurance provider may not be.

Unless a household has had long-term plans to get a lodger, it is unlikely that it was factored into the analysis of home insurance quotes when a policy was taken out. Different insurance companies will take different views, with some even declining to extend cover for home insurance with lodgers. See below for our range of specialist providers which could offer the cover you're looking for:

Home insurance if you have lodgers
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
£1 million£50,000

Direct Line Home Insurance provides a flexible way to keep your home and belongings covered the way you choose.

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Up to £400,000Up to £50,000£50 cashback offer on new combined buildings and contents policies (conditions apply). Halifax Home Options Insurance is underwritten by Lloyds Bank General Insurance Limited.Get Quotes >

Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

It is an important first step to inform the provider of your home insurance about the lodger. Many standard policies carry stipulations that the only people living in the house should be the policyholder and their immediate family.

Lodgers do carry a certain amount of risk in two key areas:

  • The policyholder's liability for providing a safe environment for their family
  • An increased risk to the family’s home and belongings

Many insurance providers will offer home insurance quotes for specialist cover that takes lodgers into account. Another strategy is for the lodger in question to arrange their own contents cover. This means that the lodger will have sole responsibility for their own policy and will also be in charge of paying for it, something that can make the homeowner’s job easier.

It is common for insurance companies to offer both buildings and contents cover as stand alone policies so getting home insurance for the lodger should not be too difficult.