We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
House Insurance and the lodger
Comments
-
Thanks. Any idea how much more it would cost. The quote I was given for contents and buildings without the lodger was £800.
£800 is a lot to pay. I pay £250 for buildings and contents insurance for a 3 bed detached house. I had a lodger when I was insured with Esure and when I told them, they said that there would be no increase in premium, but that the lodgers belongings would not be covered.0 -
£800 is a lot to pay. I pay £250 for buildings and contents insurance for a 3 bed detached house. I had a lodger when I was insured with Esure and when I told them, they said that there would be no increase in premium, but that the lodgers belongings would not be covered.
I agree I pay about £250 with lodgers. To claim for theft must be forced entry and lodgers stuff not covered. 4/5 bed detached house.0 -
There was a recent item on the news about this.
You should tell the IC who is in your home. Failing to do so invalidates your insurance.
If you have a lodger, or even someone who comes and feeds the cat whilst you're on holiday etc you should.
They like reasons to put up your insurance.0 -
I found that having separate buildings and contents insurance worked out a bit cheaper and im also £250 combined for 4 bed house with 2 lodgers, Have you claimed on last years insurance?Mortgage start Oct 12 £104,500
current May 20 -£56,290_£52,067
term 9 years aiming on being mortgage free by 7
Weight Up & down 14st 7lb0 -
We insured with AXA who said they didn't mind if we had a lodger or not.0
-
I can't seem to get a sensible answer out of any online quote for having a lodger! AXA refuses point blank to quote even on an ordinary buildings cover before I even get to the lodger bit! How am I doing this wrong?! If I take in a lodger my current insurance (Legal & General) refuse point blank to cover me.
Odd0 -
reddragon1 wrote: »I can't seem to get a sensible answer out of any online quote for having a lodger! AXA refuses point blank to quote even on an ordinary buildings cover before I even get to the lodger bit! How am I doing this wrong?! If I take in a lodger my current insurance (Legal & General) refuse point blank to cover me.
Odd
Try ringing Esure as they didn't mind if I had one 5 years ago, but perhaps their rules have changed.0 -
Thanks. I claimed for the theft (by a tradesman) for a stolen piece of jewellery - around £240 just after we moved here. But nothing before that for 5 years for water damage in previous house. Will look into separate building/contents cover.I found that having separate buildings and contents insurance worked out a bit cheaper and im also £250 combined for 4 bed house with 2 lodgers, Have you claimed on last years insurance?0 -
It might also be worth trying Endsleigh.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.2K Work, Benefits & Business
- 600.9K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards