ned
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| posted on 13/9/07 at 08:19 PM |
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Home insurance for house share?
Sure someone will know the answer, I'm obviously googling on the wrong keywords..!
Basically renting out my spare room and want to know where I stand in terms of contents insurance (due for renewal anyway) and if there are any
insurers who have specific policies to cover all eventualities in this situation.
I am getting full references etc from my tenant but would like to cover all the angles as I def couldn't afford a 'worst case'
scenario even with the normal/sensible checks..
cheers,
Ned.
beware, I've got yellow skin
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nludkin
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| posted on 13/9/07 at 08:33 PM |
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I believe Ensleigh will provide cover for people who sub-let..
However, both parties need this cover as the majority of insurers won't cover you to have someone else living in the house who aren't
partners / family.
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StevieB
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| posted on 13/9/07 at 08:34 PM |
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Do a search for landlords insurance - you'll be able to segregate the areas of your home for insurance purposes.
When I was a student, my gear was only covered for my own room - the communal areas weren't insured at all (which was mainly dirty plates, empty
beer cans and an old TV anyway!)
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caber
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| posted on 13/9/07 at 08:39 PM |
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Will be very difficult to get contents insurance if you have a lodger. If you do then getting a claim met unless you can absolutely prove the lodger
was not involved in damage or theft. good luck
Caber
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James
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| posted on 14/9/07 at 10:26 AM |
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Have you got anything worth nicking Ned?
 
------------------------------------------------------------------------------------------------------------
"The fight is won or lost far away from witnesses, behind the lines, in the gym and out there on the road, long before I dance under those lights."
- Muhammad Ali
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ned
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| posted on 14/9/07 at 04:51 PM |
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James, ya cheeky git!
Spoken to endsleigh and they have a policy that the monkey on the phone told me will cover theft where there is no forced entry which is the normal
clause that bu**ers you up in my scenario!
cheers guys,
Ned.
beware, I've got yellow skin
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