Home Insurance with lodgers, for live-in Landlords

Many standard insurers are unwilling or unable to cover your property if you choose to have paying lodgers. This is because the increased footfall at your property can lead to an increased risk of damage or theft occurring. Sometimes it is because the property could now be seen as a commercial risk. CoverBuilder’s home insurance with lodgers is able to provide full cover despite these difficulties. This means you can be confident you are correctly covered while earning extra income from your home. You can quote and buy home insurance with lodgers fully online with CoverBuilder.


Benefits of our policy include:
  • Buildings and Contents cover options available
  • Cover even with more than one lodger at the property
  • Personal Possessions cover options available
  • Quote and buy online with instant acceptance



Need a little help quoting?

We have insurance experts ready to help if you want to ask a question. Our average call answering is under 1 minute so give us a call on 0333 358 3359 or chat with us online via our livechat option (bottom right).


Home Insurance when you have a lodger is also often referred to as Live in Landlord insurance. Unlike a property that is let to tenants, lodgers live in the property alongside the owner.

Before taking on a lodger there are a number of implications that you need to consider. These are largely in relation to your mortgage/rental agreement and your home insurance. If you own your property on a mortgage then you will need to inform your lender of your lodger. It could affect the terms of your mortgage and cause significant problems if they are not made aware as soon as possible. Equally, if you are a tenant then you need to inform your landlord and check. This will ensure that sub-letting the property is not going to break the terms of your lease.

Live in landlord insurance

In relation to your home insurance, there are a number of factors that need to be taken into account. The declarations that are asked when you take out insurance are in relation to you and anyone who usually lives with you. This includes any lodgers. Therefore any poor credit history, unspent convictions or previous bankruptcies that a lodger holds could have a negative impact on your insurance. This could make it harder to find cover and push up the price of available policies.


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Our specialist ‘rent a room’ insurance

Our specialist ‘rent a room’ insurance means that you can be confident of your cover even if lodgers live with you. Whether you have one lodger or 3, our flexible policies can be tailored to provide exactly the cover that you require. All of this is provided at a competitive price. With the policy able to be completely quoted and purchased online, this can be done at a time that suits you. There is no need for lengthy calls to call-centre staff.


Living room at home insurance with lodgers



Our lodger home insurance policies can cover your building and contents when you have a tenant living at your property with you. However, it does not provide cover for items belonging to your lodger. We strongly recommend they take out their own insurance policy to  protect their own personal belongings against damage or theft.

Letting via Airbnb UK and other home-sharing websites

Our Home Hosting Insurance™ has been created specifically for those who host guests at their property via home-sharing platforms.

If you let out rooms or even your whole property to guests, then this policy has been created to provide you with the coverage you could struggle to get via standard home insurance. If your guest is the cause of an incident such as damage to your property or possessions, theft from your home, fraudulent behaviour or legal claims, this policy can allow you to claim.