? Landlord insurnace or what?

dacouch

wellfan wrote: »

Thanks again for replies. I am just going to go down the landlord insurance route. I spoke to a broker and he was very clear that I should have landlord insurance, as there are no alternative options.

Try speaking to another broker as there are other options as your situation is not that unusual.

The other option is a normal home insurance in your name, the insurers may rate it on your daughter's age so they collect a premium that reflects the added risk of a younger occupier though.

Only a few Insurers will offer this though as it involves more work for the broker and Insurer.

A normal home insurance will normally offer wider cover and a smaller excess.

Try speaking to your own Home Insurer as well

Sally_A

We have a similar set up....we have a trusted friend as a tenant that is more a house minder than a profit making venture. Aviva do ours at standard rates..I work for a broker, so a colleague in personal lines had to chat it through with the underwriters, but they accepted it. It is not a profit making arrangement, just someone to keep a house occupied, warm in winter etc. as we don't want to sell it yet, nor let it out as a landlord.

dacouch

Sally_A wrote: »

We have a similar set up....we have a trusted friend as a tenant that is more a house minder than a profit making venture. Aviva do ours at standard rates..I work for a broker, so a colleague in personal lines had to chat it through with the underwriters, but they accepted it. It is not a profit making arrangement, just someone to keep a house occupied, warm in winter etc. as we don't want to sell it yet, nor let it out as a landlord.

Exactly the Insurer I used to use for this for type of business