Home Insurance with Lodgers

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Features
Save time and money. One short form to complete, tailor a policy to suit your needs and compare providers
Buildings Insurance
Unlimited buildings cover to rebuild your home (eligibility criteria applies)
Contents Insurance
From £50,000 up to £150k contents cover (depending on policy)
Special Features
If you're looking for cheap home insurance get a quote with Admiral - you could pay as little as £113 if you insure your home*.
Alternative Accomodation

Admiral Home Insurance

Buildings Insurance
From £400,000 to unlimited cover to to help rebuild your home
Contents Insurance
From £50,000 to unlimited contents cover
Special Features
Choose from three levels of cover for Buildings, Contents or both. Tailor your policy with the optional add-ons. Make changes to your policy, without admin fees or hidden charges. When renewing, you won't pay more than a new customer for the same cover
Alternative Accomodation

John Lewis Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100K contents cover
Special Features
Award-winning Saga Home 3-year fixed price cover includes valuable extras: Accidental damage cover for mishaps in the home, Personal belongings cover to protect your items when you're away from home, Matching sets cover
Alternative Accomodation

Saga Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100k contents cover (up to £150k for Home Plus)
Special Features
Defaqto 5 Star Rated Home Insurance. 24/7 UK emergency helpline
Alternative Accommodation
Home Insurance
Get a quote in less than five minutes
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Prices from over 55 brands
Special Features
Save up to 41%*
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Moneysupermarket Home Insurance Comparison

Buildings Insurance
No Limit
Contents Insurance
No Limit
Special Features
Up To 30% online discount. Comprehensive quote system for buildings and contents insurance. Follow through and answer the quote questions, then if you are happy to proceed, you can take up your quote instantly and securely, online.
Alternative Accommodation

Up To 30% Off When You Apply Online For New Customers

Buildings Insurance
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
Special Features
Compare cheap buildings and contents insurance. You could save up to £107*
Alternative Accommodation
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April ’21). 51% of home insurance customers could save £107.96 on a combined policy
Buildings Insurance
£750,000 million to help rebuild your home
Contents Insurance
Based on what you actually own
Special Features
Amazing home insurance at amazing prices. Buzzvault home insurance is based on what you actually own. This allows us to offer the cover you need at the best price
Alternative Accomodation

Buzzvault Home Insurance

 

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 above for our range of specialist providers which could offer the cover you’re looking for.

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.