Does your lodger have their own contents insurance?

roses

Hi,

My buildings and contents insurance is due for renewal on 1st October. I have to pay Liverpool Victoria (buildings) and Co-Op (contents) a premium for having a lodger anyway and they both tell me that my lodger possessions are not covered. I knew this anyway as I was a lodger myself 3 years ago.

I reminded my lodger that her stuff is not covered in the event of fire etc and does she have her own. She obviously did not read the contract she signed with me which states they are resonsible for arranging their own insurance and she is pretty annoyed (she is VERY petty with money).

I'd like to ask:

1) does anyone have any contents cover which covers both your and your lodgers possessions (I can't find any which will cover both mine and theirs!)?
or
2) do your lodgers have their own insurance?

00ec25

short answers: No and No

Jowo_2

Slightly longer answer - it is the norm for tenants and lodgers to be responsible for insuring their own belongings. The lodgers failure to read and understand her contract is not your problem to solve, nor is her ignorance that this is common practice anything that you should be worrying about. Tell her that it is her responsibility and the choice of whether to insure her belongings or forgo it is up to her, as per the contract she signed.

jenny74

roses wrote: »

Hi,

My buildings and contents insurance is due for renewal on 1st October. I have to pay Liverpool Victoria (buildings) and Co-Op (contents) a premium for having a lodger anyway and they both tell me that my lodger possessions are not covered. I knew this anyway as I was a lodger myself 3 years ago.

I reminded my lodger that her stuff is not covered in the event of fire etc and does she have her own. She obviously did not read the contract she signed with me which states they are resonsible for arranging their own insurance and she is pretty annoyed (she is VERY petty with money).

I'd like to ask:

1) does anyone have any contents cover which covers both your and your lodgers possessions (I can't find any which will cover both mine and theirs!)?
or
2) do your lodgers have their own insurance?

Tough! She should have read her contract, You will not get ANY domestic insurer to agree to insure your lodger's contents on your policy.

Jenny

clutton_2

you cannot legally insure something that does not belong to you

she should have read her contract

blued

Budget Insurance will insure you and your lodger. There is even a part on the online form that you can select how many non family members are living with you. I switched to them (to cover my own belongings) when I had a lodger. They were also the cheapest insurer at the time! Worth noting that most insurance companies will add a large amount to your quote if you have a lodger in your house. If they disappear with all your stuff or set fire to something accidentally I wouldnt like to try making a claim with an insurance company that doesnt know you have a lodger.

roses

clutton wrote: »

you cannot legally insure something that does not belong to you

she should have read her contract

Thanks, that's actually a really valid point given she hasn't told me of any valuables....