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Lodgers House Insurance


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  • Save up to 30% on your renewal premium
  • Easy quote and application process
  • Flexible, fully comprehensive insurance
  • Cover for up to 5 Lodgers
  • All types of property considered
  • Public and property owners liabilities included

Lodgers house insurance

If you take a lodger into your home, this may typically affect the home insurance which protects both the structure and fabric of the building and its contents against potentially serious loss or damage. So, that is why lodgers house insurance may be a solution.

What is lodgers home insurance?

A lodger is in the unique position of sharing the home in which you live. This marks the fundamental distinction between a lodger and a tenant (who lives in self-contained accommodation, entirely separate from your own).

The distinction carries over into insurance for your home. Landlord insurance is inappropriate, since your lodger is not a tenant, whilst the home insurance you might have previously arranged is unlikely to cover all of the risks associated with having a lodger in your home.

The answer is specialist lodgers house insurance.

What does home insurance for lodgers cover?

This kind of purpose-designed lodgers insurance effectively fills the gaps which are likely to be left in your standard home insurance once you take in a lodger:

  • theft – since your standard home insurance is likely to make theft claims conditional on there being evidence of a break-in or attempted break-in, insurance for lodgers recognises the possibility that it might have been an “inside job” by your lodger or one of his or her visitors;

  • accidental damage – this cover may also be more important when you have a lodger living at home with you;

  • your own contents cover – typically up to a total of £100,000 – and personal possessions insurance are also likely to be prudent decisions (although your policy may not cover your lodger’s belongings, so he or she may need to arrange separate cover);

  • buildings insurance – choose one of our two lodgers home insurance plans and you may insure the building for up to £1 million;

  • public liability insurance – your third-party liabilities as the property owner may be more onerous once you have a lodger under your roof.

  • Cover for up to 5 lodgers

At UKinsuranceNET, our lodgers home insurance plans cover you and your home for up to 5 lodgers – more than the maximum of 3 covered in similar products from other providers.

You may get your quote online - or with the help of your dedicated adviser - obtain immediate cover on payment terms which include monthly direct debit.

Why choose us at UKinsuranceNET?

At UKinsuranceNET we are leading providers of property insurance - don’t just take our word for it, more than 220,000 people have already asked us to insure their property.

A demonstration of their satisfaction is shown by the fact that nine out of ten of them renew their policy every year and stay with us here at UKinsuranceNET.

Our home insurance for lodgers offers you a choice of two different policy options (allowing you to buy the cover that meets your budget and your requirements) as well as cover for up to 5 lodgers (whereas many other providers only cover up to 3 lodgers).



* 75% of all customers receiving an online quote in May 2017 could have obtained a cheaper quote over the phone, based on the information they provided