Home Insurance, with Lodgers -BEWARE
Posted: April 4th, 2023, 1:41 pm
I live in a house and have up to 3 lodgers with me.
I'm now finding problems where insurers will cover me for 3 lodgers, but require me to inform them if that number changes.
Since I rent mainly to MSc students, that number often goes down to zero during the year, but never exceeds 3.
Having to phone the insurer is inconvenient and potentially expensive.
I would far rather have a policy that covers me for the worst case scenario, e.g. "UP TO 3 LODGERS". Then there would be no need to phone them.
1 Does anyone else have the same problem ?
2 Take care to ensure your insurance is not invalidated due to non-material error in the description.
[I'm not sure if this topic belongs here, but after looking up and down the forum headings I figured this was best. Moderators have permission to move this.]
I'm now finding problems where insurers will cover me for 3 lodgers, but require me to inform them if that number changes.
Since I rent mainly to MSc students, that number often goes down to zero during the year, but never exceeds 3.
Having to phone the insurer is inconvenient and potentially expensive.
I would far rather have a policy that covers me for the worst case scenario, e.g. "UP TO 3 LODGERS". Then there would be no need to phone them.
1 Does anyone else have the same problem ?
2 Take care to ensure your insurance is not invalidated due to non-material error in the description.
[I'm not sure if this topic belongs here, but after looking up and down the forum headings I figured this was best. Moderators have permission to move this.]