Landlord Insurance for Lodgers

What exactly is landlord insurance for lodgers?

Landlord insurance for lodgers is a common things with the global economy going through a challenging phase. Many tenants have to adapt to the circumstances to make ends meet and keeping a roof over their heads.

  • As you know, a common solution for those who need a bit of a financial boost involves renting out spare rooms in their homes to temporary or even long-term lodgers.

  • While this is an increasingly normal situation, it isn’t entirely free of conflicts and troublesome issues… all of which can typically be mitigated with a good landlord insurance for tenants and lodgers.

  • Depending on your provider, this type of insurance can sometimes be amended to an existing home insurance, although you may be required to switch providers.

  • In any case, it’s a crucial consideration that will make your life much easier, if you plan to get a lodger.

Read through the following sections for a clearer view of what is landlord insurance for spare rooms and lodgers, and what exactly it entails.


Click here to compare landlord insurance quotes.

Things to keep in mind before applying for a landlord insurance for lodgers

In order to be allowed to get a landlord insurance for lodgers, you first have to make sure you are effectively entitled to legally rent out a room.

  1. If you are the owner of the house, then you absolutely have this right and you may proceed to reach out to your insurance agency without consulting third parties.

  2. In case you’re either leasing your house or have a tenancy agreement in place, the matter is not as straightforward - and you essentially have to check with the owner of the property before accepting a lodger.

  3. Failing to do so, you could succeed in getting a landlord insurance to cover lodgers… but in the event there are complications that would merit compensations, your insurance provider may refuse to cover the claims.

  4. The only exception is when you already have a tenancy agreement or a lease contract in place that specifically states you are allowed to sublet.

  5. When this clause is not specifically mentioned, you have no choice but to reach out to your landword and ask for permission to get a lodger.

  6. Without having permission from the owner, you will be unlikely to succeed renting a room legally, which means you won’t have access to a legally binding landlord insurance.

Understanding the difference between a tenant and a lodger

The distinction between a tenant and a lodger is not immediately clear for everyone, but it must be clarified in this context since both concepts have different legal statuses.

So how do you tell the difference?

  1. Simply put, you only have a lodger if you are renting a room with shared access to the house where you actually live as your main residence.

  2. In any other situations where you either rent a separate house or a separate, self-contained section of your main residence (with no shared living spaces asides from hallways).

Then you have a tenant and you will need a full-fledged landlord insurance, rather than a landlord insurance for lodgers.

Why it’s absolutely essential to get landlord insurance for lodgers

Asides from the obvious reasons for getting landlord insurance with lodger cover, there is something important to keep in mind:

  • If you take in a lodger and your current home insurance does not make provisions for such an arrangement, the insurance provider could state your existing policy is invalid in case you place a claim.

  • In other words, failing to mention you have a lodger could void your existing home insurance, which could be very troublesome indeed.

  • When you ask your insurance provider to update your existing insurance policy to reflect your lodging activities, one of four arrangements will normally take place:

...either they will refuse to provide cover, or they will increase your premium, or they will request extra liability, or otherwise reasonable exclusions could be added to your  insurance policy.

If you need landlord insurance for lodgers, compare quote with Britain's best landlord insurance.

Go to the UKLI Compare homepage to learn.

Hit us up on Social media


Recent Articles

  1. Motor Trade Insurance Comparison and Free Guide | UKLI Compare

    Jul 09, 25 05:33 PM

    Motortrade insurance
    Compare motor trade insurance quote and and read information on traders insurance before you buy a policy.

    Read More

  2. Part-Time Motor Trade Insurance Comparison | UKLI Compare

    Jul 09, 25 05:32 PM

    Motortrade insurance
    Compare part-time motor trade insurance quotes and see the difference in price when you use a good comparison website like UKLI Compare.

    Read More

  3. Motor Trade Insurance Without No-Claim Bonus | UKLI Compare

    Jul 09, 25 05:31 PM

    Motor trade insurance 44
    Motor trade insurance without no-claim bonus accumulation can be high priced either you pay monthly or annually, whatever reason compare the market.

    Read More

  4. Compare Landlord Insurance Quotes - Save Time & Money | UKLI Compare

    Jul 09, 25 04:54 PM

    landlord-insurance-compare-Background-3
    Compare landlord insurance quotes and adequately cover your assets with buildings and contents insurance, or add extra landlord protection.

    Read More

  5. Compare Horsebox Insurance | Get Quotes Fast | UKLI Compare

    Jun 18, 25 07:37 PM

    horsebox
    Compare horsebox insurance and save a bit of cash by finding the insurer who comes out on top and the one your happy with. All horse boxes, from old to new.

    Read More

  6. Compare Taxi Insurance Quotes and Save a Penny or Two | UKLI Compare

    Jun 17, 25 09:41 AM

    Compare taxi insurance quotes with the best taxi insurers you want to take a policy out with and you could save time and a lot of money taking a quote from.

    Read More

  7. Taxi Fleet Insurance Online Quotes | UKLI Compare

    Jun 17, 25 09:35 AM

    Taxi fleet
    Compare taxi fleet insurance quotes in minutes and be on your way to a new taxi policy for 2+ taxis and...

    Read More

  8. HGV Goods in Transit Insurance | UKLI Compare

    Jun 17, 25 09:09 AM

    hgv instructor insurance
    Get ready to compare HGV goods in transit insurance quotes from the top truck insurance companies in the UK and do it quickly.

    Read More

  9. Compare HGV Insurance Quotes & Fast | UKLI Compare

    Jun 17, 25 09:04 AM

    HGV Fleet Insurance Quotes
    Compare HGV insurance quotes and get prices from the UK's leading HGV insurers for an excellent policy. Goods in transit insurance is available too.

    Read More

  10. HGV Fleet Insurance Quotes | UKLI Compare

    Jun 17, 25 09:02 AM

    HGV Fleet Insurance Quotes
    HGV drivers and business owners compare HGV fleet insurance from the UK's top rated insurers in one swift go.

    Read More

  11. Short Term HGV Insurance | Temporary HGV Insurance | UKLI Compare

    Jun 17, 25 08:50 AM

    short-term-hgv-insurance
    Do you need short term HGV insurance for a week and a month or even shorter periods? Compare quotes, and you could get cheaper temporary HGV insurance.

    Read More

  12. Commercial Solar Panel Installers Scotland | Get Local Quotes

    May 16, 25 06:36 PM

    commercial-solar-panel-installers-scotland
    Commercial solar panel installers Scotland | Get the helping hand you need from starting your solar installation right through to the finished result and...

    Read More

  13. Commercial Solar Installation London | UKLI Compare Solar

    May 16, 25 06:32 PM

    Solar London
    Compare quotes on commercial solar installation in London and get the best possible price and a cost breakdown before you even start talking to serious installers wherever you live in London.

    Read More

  14. Grants for Commercial Solar Panels | UKLI Compare

    May 16, 25 06:18 PM

    grants for commercial solar panels
    Here is a detailed guide on grants for commercial solar panels for your small, medium or large business in the UK and...

    Read More

  15. Solar Panel Installation | Home & Commercial Installs | UKLI Compare

    May 16, 25 06:06 PM

    COST OF SOLAR PANEL INSTALLATION QUOTE
    Compare solar panel installation quotes and get the best possible price and quality installation practices with the right installers you can count on and...

    Read More

  16. Solar Panel Quotes: Get a Quote Near You and Fast!

    May 16, 25 06:03 PM

    Compare solar panel quotes from local solar installers and let the right one help you execute and plan your new solar install from start to finish.

    Read More

  17. Solar Panels Glasgow - Free Quotes To Find The Right Installer

    Apr 28, 25 01:33 PM

    Solar panels Glasgow quote page where you can find the right installer with the right price to match and for free with our local quote tool to find quotes near you.

    Read More

  18. Solar Panels Birmingham - Get You The Right Solar Quote

    Apr 28, 25 12:30 PM

    Discover the top installers for solar panels in Birmingham with expert advice. Explore prices, installation, and grants for an informed decision.

    Read More

  19. Compare Minibus Insurance | Quotes Business, Schools | UKLI Compare

    Apr 21, 25 02:56 PM

    Minibus insurance
    Compare minibus insurance quotes for 9 seaters and 17 seaters and you could save a lot of time and money.

    Read More

  20. Best Motorhome Insurance Quotes Online | UKLI Compare

    Apr 21, 25 02:19 PM

    motorhome-insurance
    Compare the best motorhome insurance quotes from Britain's leading insurers and you could save a lot of time and money today.

    Read More

  21. Home Solar Panels Scotland - Get Quotes From Local MCS Installers

    Apr 15, 25 05:04 PM

    solar panels
    Approved MCS home solar panels Scotland. Get the right installers on the job the first time around.

    Read More

  22. HOME-SOLAR-TEMPLATE

    Apr 15, 25 03:41 PM

    Home Solar
    HOME-SOLAR-TEMPLATE

    Read More

  23. Compare Office Surgery Insurance Quotes Online | UKLI Compare

    Apr 14, 25 01:15 PM

    office surgery insurance quotes
    Cover your surgery with office surgery insurance and compare quotes to find the perfect policy for your surgery fast.

    Read More

  24. Private Landlord Insurance for Private Tenants | UKLI Compare

    Apr 14, 25 12:31 PM

    landlord-insurance-unemployed-tenant
    Compare private landlord insurance quotes and find better prices in no time and get your tenants sorted with the right insurance from day one. If you know...

    Read More

  25. Landlord insurance | Housing Benefit? | UKLI Compare

    Apr 14, 25 11:58 AM

    landlord-contents-insurance
    Need to know more about tenants who claim housing benefits or insuring them, it's all here landlords.

    Read More

  26. Landlord Insurance for a Limited Company | UKLI Compare

    Apr 14, 25 11:31 AM

    LANDLORD INSURANCE FOR A LIMITED COMPANY
    Do you need landlord insurance for a limited company? Take the hassle out of getting quotes and talking to unnecessary insurance companies a service that works

    Read More

  27. Compare landlord contents insurance quotes, fast | UKLI Compare

    Apr 14, 25 11:01 AM

    Best landlord insurance
    Compare the market for landlord contents insurance and find great online prices you'll be happy with. Works perfectly for UK landlords.

    Read More

  28. 7.5 Tonne Motorhome Insurance | Compare Quotes | UKLI Compare

    Apr 14, 25 10:00 AM

    7.5 Tonne Motorhome Insurance
    Compare 7.5 tonne motorhome insurance quotes and walk away with a good policy for a decent monthly or annual price.

    Read More

  29. VW Campervan Insurance & Motorhome Comparison | UKLI Compare

    Apr 14, 25 09:40 AM

    camper insurance
    If you are looking for VW campervan insurance or a VW motorhome policy for your transporter or your T25 or a classic T1 or T2 you can do it here.

    Read More

  30. Compare Cheap Campervan Insurance Quotes Online | UKLI Compare

    Apr 14, 25 09:38 AM

    campervan image 3
    Compare cheap campervan insurance from specialist campervan insurance companies and win a good price.

    Read More