Contents Insurance with lodger

frugal2013

I understand that contents insurance is invalid if you have a lodger or, 3 times the price.

In practice do people bother with insurance when they have a lodger?

Thanks

katejo

No it's not invalid, at least not in my experience. You do have to inform the insurer that you have a lodger as some don't allow it. If you get an online quote, ring them up afterwards to declare the lodger/ check that they allow it. The restriction is just that they won't cover you for theft if there is no sign of forced entry to the property. Also your contents policy will not cover your lodger's personal possessions so he/she needs their own policy.

nidO

We have a lodger and have buildings/contents with Aviva, they were perfectly fine with us having a lodger and didn't change our premium at all, as katejo has mentioned the only thing that changes is a couple of extra clauses, in the case of Aviva they just won't cover any theft or malicious damage by the lodger.

frugal2013

Great advice from you both and that puts my mind at rest.

Thank you.

katejo

frugal2013 wrote: »

Great advice from you both and that puts my mind at rest.

Thank you.

Just make sure that you do declare the lodger to the insurer. I have also previously had insurance with Aviva (when still Norwich Union)

Angie_B

I have a lodger and have my contents insurance through Barclays, who clearly allow you to declare that there is an unrelated lodger living with you. And it did not raise my premium at all. As above, there is just a couple of extra clauses regarding theft etc. But worth checking. Some insurers do have a problem with it, but a lot do not as long as it is declared.