Rent a room - landlord insurance

scubascuba3

I'm renting a room to a new tenant soon and I'm thinking about getting insurance. I'm mainly concerned with liability insurance rather than contents insurance. Anyone got any recommendations for liability insurance only? Or just general advice about getting insurance. The whole flat has building insurance organised my Management Co.

Guest101

scubascuba3 wrote: »

I'm renting a room to a new tenant soon and I'm thinking about getting insurance. I'm mainly concerned with liability insurance rather than contents insurance. Anyone got any recommendations for liability insurance only? Or just general advice about getting insurance. The whole flat has building insurance organised my Management Co.

A tenant or a lodger? It's not clear from your post

scubascuba3

Guest101 wrote: »

A tenant or a lodger? It's not clear from your post

Lodger and lodger agreement in case that's your next question

G_M

Exactly what risk are you looking to insure against?

Have you got, and read, the buildings insurance to see if it's covered?

Have you read your contents insurance likewise?

scubascuba3

It's liability insurance I'm more concerned with such as an accident by the lodger. Any answers?

theartfullodger

a) As suggested, check with current insurer (of block) to see what is covered: If not everything ask (calm, polite) if it could be at your expense...
b) Are you sure you are allowed a paying lodger? What does the lease say on the subject..
c) If still stuck, check with a couple of landlord specialist brokers (eg Alan Boswell)

scubascuba3

And any input Re liability insurance?

G_M

scubascuba3 wrote: »

It's liability insurance I'm more concerned with such as an accident by the lodger. Any answers?

What, like he climbs on a chair to dust the curtain rail, falls off, and sues you? That kind of accident?

I doubt you'll find cover for a resident.

You'd do far better to do a risk assessment of the property, and get checks done on the gas/electric appliances etc so you cannot be held culpable.

scubascuba3

G_M wrote: »

What, like he climbs on a chair to dust the curtain rail, falls off, and sues you? That kind of accident?

I doubt you'll find cover for a resident.

You'd do far better to do a risk assessment of the property, and get checks done on the gas/electric appliances etc so you cannot be held culpable.

When you go through the process of getting quotes, one of the options is liability insurance, so it is definitely an option that landlords can take when they rent a room.

I'm not concerned about contents insurance except landlord fixtures and fittings.


I guess I was wondering whether landlords would come on here and say definitely get liability insurance, but none so far

00ec25

liability insurance in respect of a lodger is most certainly a risk I have covered, the difference however is I am a house not a flat so it is part of the LL buildings insurance

i was specifically thinking of the context of a roof tile falling on the lodger's head, as one did slip and fall on a pathway

i went through Towergate Insurance, but as I say it is buildings cover which has little relevance to a flat owner.

as others have said, read the current policies you have and check for cover of paying residents. i suspect there won't be any, but worth checking first.