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

Get 35% off when you buy online.
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

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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

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

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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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Five star rated Platinum Home Insurance.
(Moneyfacts Home Insurance 2018). Choose from three levels of cover, covering some or all of: home emergency, boiler cover, family legal protection, accidental damage on both buildings and contents, personal possessions, bicycles, matching items, trace and access. Plus add optional extras. 24-hour Emergency Helpline

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UK's number 1 rated home insurance provider. We compare policies from leading providers as well as our own to find you the right cover. Prices fixed for 2 years

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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

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5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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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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Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with Gocompare.com (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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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.