Compare+ Home Insurance Tool for Room-Only Insurance

SavingMoneyDaily

I'm looking for insurance for my child who has moved into assured short term tenancy. It is shared accommodation with two other separate adults, each with their own "sole tenancy" agreement. Each has a lockable room. I want to insure the contents of that locked room only. This is not student accommodation.

According to the article Cheap renters' contents insurance,

If you choose room-only cover, go to I live alone, or with a partner or family

which in turn suggests using the Compare+ Home Insurance Tool.

When filling in the form in that tool, it asks questions which seem to apply to the whole house(hold). For example:

You and the people you live with:
    Have no unspent convictions or pending prosecutions
    Have not been declared bankrupt
    Have never had insurance cancelled, refused, voided or had special terms given by your insurer

Does this mean interrogating all the other tenants?

And what about these?

• Who lives in your home? [Is this the whole house, or just the room being insured?]
• Which type of lock do you have on your main door? [Is this the main front door or the room door?]
• How many working smoke alarms are there in your home? [They're not in the bedroom]
• How many reception rooms does your home have? [Not being insured]
• Has your home ever been flooded? [How would I know?]

Is this perhaps the wrong tool? Is there a better way to find the right insurer for this type of insurance?

GrumpyDil

Not something I have ever needed to do but that arrangement sounds like an HMO so have you tried searching for HMO tenant insurance or similar?

SavingMoneyDaily

GrumpyDil said:

... sounds like an HMO so have you tried searching for HMO tenant insurance or similar?

The term "HMO" (House in Multiple Occupation) is new to me - thanks for mentioning it. I haven't done such a search because I didn't know the term. Also, I was hoping MSE (or the forum community) could point me to an insurer or three to try, rather than me hunting via Google search, which leads to far too many wrong options these days, and generally a waste of time.

MyRealNameToo

Dont rule out student insurance, despite the name most dont require for you to be a student but are just named so as traditionally they were the most common type of people in house shares outside of the largest cities.