Home Insurance with Lodgers

Compare Home Insurance with Lodgers Across UK Market

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Buildings Insurance
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Contents Insurance
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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
£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. 25% online discount for new customers
Alternative Accommodation
Buildings Insurance
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
Special Features
Confused.com guarantee to beat your home insurance renewal, or get the difference, plus £20*
Alternative Accommodation

*T&Cs apply

Home Insurance
From £400,000 to unlimited cover to to help rebuild your home
Contents Insurance
From £50,000 to unlimited contents cover
Special Features
Save up to 20% online
Alternative Accomodation

John Lewis Home Insurance

Buildings Insurance
£1million to help rebuild your home
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus, Unlimited Select Premier)
Special Features
Get 35% off when you buy online*
Alternative Accomodation

Direct Line Home Insurance

*Introductory offer is for combined buildings and contents cover, which excludes optional covers.  Minimum premiums apply. Excludes SELECT Premier.
Underwritten by U K Insurance Limited

Buildings Insurance
£1million to help rebuild your home (Unlimited Home Plus)
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus)
Special Features
Escape of water cover as standard. Churchill wont just cover the costs of finding the leak but also sort the damage it causes*. Churchill Home Insurance and Home Plus have been awarded a 5 Star Rating by Defaqto
Alternative Accomodation

Churchill Home Insurance

*Buildings cover required. Policy limits and £450 Escape of Water excess apply. Underwritten by U K Insurance Limited

Home Insurance
Up to £750,000 to help rebuild your home
Contents Insurance
Up to £75,000 contents cover
Special Features
Buy online and save 30%
Alternative Accomodation

ASDA Money Home Insurance

Buildings Insurance
Up To £500,000 standard (Up to £2m available)
Contents Insurance
Up to £60,000 contents cover
Special Features
Get a quote and enjoy a free Costa Coffee with Age Co Home Insurance (Ts & Cs apply)
Alternative Accomodation

Age Co Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100K contents cover
Special Features
A personal claims manager if you need to move out of your home due to a claim Worldwide protection for your credit cards, debit cards and cash up to £500
Alternative Accomodation

Saga 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.