What is the difference between a lodger and a tenant?

A lodger resides in the main house of the landlord and shares the accommodation and facilities. If the landlord is not in the property, you will be a tenant. Tenants and lodgers have a different situation in law, so you should be clear what the situation is. If the person who is renting has his or her own door or just shares a hallway, for example a grandmother will be a flat, then they will be a tenant and you may require landlord insurance instead.

Why does the lodger affect your home insurance?

How much you pay for your insurance depends on the risk – for example, if there are better locks on your doors and windows then some insurance providers will lower your premium.

Generally, insurance providers believe that a loser is an additional risk. A lodger is an extra person with the key to your home, which you probably do not know much. There is always the risk that they may be careless, malicious damage or may steal by you.

Getting home insurance for the lodger does not mean different policy. This means changing your home insurance policy to take additional risks. If you have a locker then some providers may not be willing to cover you, so you may need to switch home insurance providers. You can be charged for canceling part of your policy through insurance period.

Obviously it is possible to get home insurance with the lodger – after all, there was about 2.7% of homes in 2018, so it is to find a way to insure insurance providers.If your insurance provider refuses to cover you, do not worry if you have a lot of losers or fees – compare home insurance with us to find an alternative insurance provider.

 

Compare Top 4 Home Insurance with Lodger Policy.

 

Company Name

Annual Price

Monthly Price

Legal Assistance

Know More

Intelligent Insurance £296.87 £27.71 Included Know More
One Call Insurance £307.80 £28.21 Included Know More
Quoteline Direct £350.11 £35.61 Added

Annually

£24.95

Monthly

12 x £2.08

(excluding interest)

Know More
Homenet Insurance £5667.90 £564.47 Added

Annually

£26.95

Monthly

12 x £2.25

(excluding interest)

Know More

 

·         Buildings cover

 

Voluntary excess £250
Accidental damage Yes
Years held with no claims 1 year
Type of property Mid terraced house
Rebuild cost £126,000
Total contents worth £30,000
High risk items worth £3,000
Personal possessions cover No
Specified items (worth £1,500 or more) None added
Bicycles (worth £350 or more) None added
Claims or losses (in the last 5 years) None added

Features Explained

Accidental Damage

    • This is additional cover that protects you in the event of sudden, unexpected or visible damage to your property which has not been caused on purpose.
    • Buildings example: while in the loft your foot accidentally goes through the ceiling.
    • Contents example: spilt wine on a carpet.
    • Wear and tear or bad workmanship isn’t included and some accidental cover won’t pay out if damage is caused by a pet.

Voluntary Excess

    • The voluntary excess shown on each quote is the closest match to the voluntary excess you requested.
    • The provider may charge a compulsory excess in addition to the voluntary excess.
    • Please note providers may also apply additional excesses for specific types of claim such as escape of water excess or subsidence excess, this will be payable on top of the voluntary and compulsory excess.

Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances. You’ll get a minimum £25,000 cover.

Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety. You’ll get a minimum £200 cover.

Replacement Locks & Keys

Covers repair or replacement of your house keys and locks should they be lost, stolen or damaged. You’ll get a minimum £250 cover.

New for Old

Replace items based on current market value opposed to original value at purchase.

Freezer Contents Cover

Cover for loss of food in your freezer as a result of an unexpected failure. You’ll get a minimum £200 cover.

Alternative Accommodation

Covers you for alternative accommodation should your home be made uninhabitable due to an insured event. You’ll get a minimum £10,000 cover.

No surprises

  • If you are paying by monthly instalments, check for any applicable charges.
  • Don’t forget to check for additional excesses, as these vary by provider. Additional excesses may apply for: subsidence, escape of water, flooding, personal effects, accidental damage, legal assistance, and theft – failed burglar alarm.
  • Instalment credit may be declined or withdrawn by the provider.

Intelligent Insurance

 

About Intelligent Insurance

  • DEfaqto 5 Star Rated: Intelligent provides one of the highest quality offerings in the market.
  • Confidence when you claim is important, so a dedicated claims service is available 24/7/365.
  • Most policies can be purchased online, even if you have complicated circumstances or requirements.
  • Policyholder’s rate service levels highly, with a 5 Star average rating on review site Trust Pilot.
  • Specialist advisers are available to help you 6 days a week over the phone and via online chat
  • You can get advice and tailor your cover to ensure the policy is suitable for you and your needs

 

Annual Price: £296.87

Monthly Price:     12 x £27.71

Total: £332.52

Cover/Excesses

Buildings Cover

Contents Cover

Cover Amount £10,00,000 £100,000
Accidental Damage Included included
Voluntary

Compulsory

Total Excess

£250

£100

£350

£250

£100

£350

 

 

 

 

 

 

 

Legal Assistance Included
Home Emergency Cover Included
Replacement Locks and Keys Included
New for Old Included
Freezer Contents Cover Included
Alternative Accommodation Included

 

About this policy

This summary represents some of the key benefits, exclusions and limitations of this policy. For further information on what is covered please refer to the policy details on Intelligent Insurance’s site.

What you’ve asked for

You can make changes by using the filter at the top of this page.

Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

What’s included?

    • £25,000 limit
    • Legal disputes for your insured home like boundary disputes or trespassing
    • Contract disputes
    • Property protection

What’s not included?

    • Employment disputes
    • Personal injury claims
    • Supplying a legal defence
    • Clinical negligence

Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included

    • £600 limit
    • £0 excess applies
    • Cover for a full electrical failure
    • Cover for blocked toilets
    • Cover for isolating/repair or replacement of leaking pipework causing damage to your home
    • Roof damage caused by a storm
    • Removal or treatment of vermin and infestations

What’s not included?

    • Cover for your boiler and its controls
    • Cover for making the property secure after a theft or attempted theft
    • Cover for a partial failure of heating e.g no hot water
    • Cover for oil fired boilers
    • Cover for boiler breakdowns in summer months
    • Cover for boilers which have not been annually serviced

Replacement Locks & Keys

Covers repair or replacement of your house keys and locks should they be lost, stolen or damaged.

What’s included?

    • £500 limit
    • Loss or theft of keys to external doors of your home

What’s not included?

    • Compulsory excess applies
    • Replacement of other keys on the fob e.g car key following a loss or theft
    • Cover for internal door locks and keys

These are included as standard

New for Old

Replace items based on current market value opposed to original value at purchase.

What’s included?

    • Replace items at their current market value

Freezer Contents Cover

Cover for loss of food in your freezer as a result of an unexpected failure.

What’s included?

    • £1,000 limit
    • Cover for the loss of freezer food as a result of an unexpected failure
    • Cover for the loss of food in the fridge

What’s not included?

    • Repair or replacement of the freezer unit
    • Loss of freezer food if your electricity is shut off by your supplier due to non-payment

Alternative Accommodation

Covers you for alternative accommodation should your home be made uninhabitable due to an insured event.

What’s included?

    • £40,000 limit
    • Temporary accommodation should your home be made uninhabitable by an insured event
    • Cover for accommodation/kennels for pets

Policy fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £25.00
  • Duplicate document fee: £0.00
  • Payment default fee: £20.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £75.00

 

Pros:

  • Lower Monthly and annual price compare to all other companies.
  • Legal Assistance and Home Emergency Cover features included in this policy plan.
  • Replacement Locks and Keys are included in this policy plan.
  • Temporary accommodation should your home be made uninhabitable by an insured event is included

Cons:

  • Replacement of other keys on the fob e.g car key following a loss or theft is not included.

 

 

One Call Insurance

 

About One Call Insurance:

  • UK call centers open 7 days a week to take your call.
  • Dedicated 24 hour UK claim line managed by specialist staff.
  • Insuring more than half a million consumers across the UK.
  • Over 20 years’ experience in the insurance industry.
  • They are the no. 2 rated home insurance provider on Reviewcentre.co.uk (as at 1st February 2018).

 

Annual Price: £307.80

Monthly Price:  Deposit £30.78

11 x £28.21

Total: £341.09

Cover/Excesses Buildings Cover Contents Cover
Cover Amount £10,00,000 £100,000
Accidental Damage included included
Voluntary

Compulsory

Total Excess

£150

£100

£250

£150

£100

£250

 

 

 

 

 

 

 

 

 

 

Legal Assistance Included
Home Emergency Cover Included
Replacement Locks and Keys Included
New for Old Included
Freezer Contents Cover Included
Alternative Accommodation Included

 

About this policy

This summary represents some of the key benefits, exclusions and limitations of this policy. For further information on what is covered please refer to the policy details on One Call Insurance’s site.

Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

What’s included?

    • £25,000 limit
    • Personal injury claims

What’s not included?

    • Legal disputes for your insured home like boundary disputes or trespassing
    • Employment disputes
    • Contract disputes
    • Property protection
    • Supplying a legal defense
    • Clinical negligence

Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included?

    • £250 limit
    • £25 excess applies
    • Cover for blocked toilets
    • Cover for making the property secure after a theft or attempted theft
    • Cover for isolating/repair or replacement of leaking pipework causing damage to your home
    • Roof damage caused by a storm

What’s not included?

    • Cover for your boiler and its controls
    • Cover for a full electrical failure
    • Cover for a partial failure of heating e.g no hot water
    • Cover for oil fired boilers
    • Cover for boiler breakdowns in summer months
    • Cover for boilers which have not been annually serviced
    • Removal or treatment of vermin and infestations

Replacement Locks & Keys

Covers repair or replacement of your house keys and locks should they be lost, stolen or damaged.

What’s included?

    • £1,000 limit
    • Contents excess applies
    • Loss or theft of keys to external doors of your home

What’s not included?

    • Replacement of other keys on the fob e.g car key following a loss or theft
    • Cover for internal door locks and keys

These are included as standard

New for Old

Replace items based on current market value opposed to original value at purchase.

What’s included?

    • Replace items at their current market value

Freezer Contents Cover

Cover for loss of food in your freezer as a result of an unexpected failure.

What’s included?

    • £1,000 limit
    • Cover for the loss of freezer food as a result of an unexpected failure

What’s not included?

    • Cover for the loss of food in the fridge
    • Repair or replacement of the freezer unit
    • Loss of freezer food if your electricity is shut off by your supplier due to non-payment

Alternative Accommodation

Covers you for alternative accommodation should your home be made uninhabitable due to an insured event.

What’s included?

    • 20% of the Sum Insured limit
    • Temporary accommodation should your home be made uninhabitable by an insured event
    • Cover for accommodation/kennels for pets

Policy fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £39.00
  • Duplicate document fee: £0.00
  • Payment default fee: £30.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £55.99

Pros:

  • Legal Assistance and Home Emergency Cover features included in this policy plan.
  • Replacement Locks and Keys are included in this policy plan.
  • Personal injury claims included

Cons:

  • Cover for a full electrical failure not included.

 

 

Quoteline Direct

About Quoteline direct:

  • UK call centers, 24 hour claims service. Helping our customers for nearly 50 years
  • Access to a wide range of policies means we can provide cover to suit everyone’s needs
  • £10 voucher each time you recommend Quote line Direct to someone who takes cover with us
  • Access details for your policy documents via their online My Policies portal
  • Established 1969, online since 1997

 

Annual Price: £350.11

Monthly Price:Deposit: £52.07

10 x £35.61

Total: £408.17

Cover/Excesses

Buildings Cover

Contents Cover

Cover Amount £800,000 £40,000
Accidental Damage included included
Voluntary

Compulsory

Total Excess

£250

£100

£350

£250

£100

£250

 

 

 

 

 

 

 

Legal Assistance Added

Annually

£24.95

Monthly

12 x £2.08

(excluding interest)

Home Emergency Cover Added

Annually

£39.95

Monthly

12 x £3.33

(excluding interest)

Replacement Locks and Keys Added

Annually

£18.95

New for Old Included
Freezer Contents Cover Included
Alternative Accommodation Included

 

 

About this policy

This summary represents some of the key benefits, exclusions and limitations of this policy. For further information on what is covered please refer to the policy details on Quoteline direct’s site.

Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

What’s included?

    • £50,000 limit
    • Legal disputes for your insured home like boundary disputes or trespassing
    • Employment disputes
    • Contract disputes
    • Personal injury claims
    • Property protection

What’s not included?

    • Supplying a legal defence
    • Clinical negligence

You’ve added this. Annually £24.95 or monthly (12 x £2.08 excluding interest).

Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included?

    • £1000 limit
    • £0 excess applies
    • Cover for your boiler and its controls
    • Cover for a full electrical failure
    • Cover for blocked toilets
    • Cover for making the property secure after a theft or attempted theft
    • Cover for isolating/repair or replacement of leaking pipework causing damage to your home
    • Cover for oil fired boilers
    • Cover for boiler breakdowns in summer months
    • Removal or treatment of vermin and infestations

What’s not included?

    • Cover for a partial failure of heating e.g no hot water
    • Cover for boilers which have not been annually serviced
    • Roof damage caused by a storm

You’ve added this. Annually £39.95 or monthly (12 x £3.33 excluding interest).

Replacement Locks & Keys

Covers repair or replacement of your house keys and locks should they be lost, stolen or damaged.

What’s included?

    • £500 limit
    • £100 excess applies
    • Loss or theft of keys to external doors of your home

What’s not included?

    • Replacement of other keys on the fob e.g car key following a loss or theft
    • Cover for internal door locks and keys

You’ve added this. Annually £18.95.

These are included as standard

New for Old

Replace items based on current market value opposed to original value at purchase.

What’s included?

    • Replace items at their current market value

Freezer Contents Cover

Cover for loss of food in your freezer as a result of an unexpected failure.

What’s included?

    • £500 limit
    • Cover for the loss of freezer food as a result of an unexpected failure

What’s not included?

    • Cover for the loss of food in the fridge
    • Repair or replacement of the freezer unit
    • Loss of freezer food if your electricity is shut off by your supplier due to non-payment

Alternative Accommodation

Covers you for alternative accommodation should your home be made uninhabitable due to an insured event.

What’s included?

    • 20% of the Sum Insured limit
    • Temporary accommodation should your home be made uninhabitable by an insured event

What’s not included?

    • Cover for accommodation/kennels for pets

Policy fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £50.00
  • Duplicate document fee: £20.50
  • Payment default fee: £50.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £50.00

 

Pros:

  • Legal disputes for your insured home like boundary disputes or trespassing cover in this policy plan.
  • This insurance policy plan cover for a full electrical failure.
  • Loss or theft of keys to external doors of your home included in this policy plan.

Cons:

  • Roof damage caused by a storm is not cover in this policy plan.

 

Home net Insurance

About Home net Insurance:

  • Excellent rates for landlords
  • Great deals from the UK’s top insurers
  • First time buyers not a problem
  • Skilled and friendly team
  • UK Only Call Centers with a dedicated Sales and Customer Service team

Annual Price: £5667.90

Monthly Price:£564.47

Deposit: £623.47

10 x £564.98

Total: £6273.27

Cover/Excesses

Buildings Cover

Contents Cover

Cover Amount £800,000 £40,000
Accidental Damage included included
Voluntary

Compulsory

Total Excess

£250

£100

£350

£250

£100

£250

 

 

 

 

 

 

 

Legal Assistance Added

Annually

£26.95

Monthly

12 x £2.25

(excluding interest)

Home Emergency Cover Added

Annually

£40.95

Monthly

12 x £3.41

(excluding interest)

Replacement Locks and Keys Included
New for Old Included
Freezer Contents Cover Included
Alternative Accommodation Included

 

About this policy

This summary represents some of the key benefits, exclusions and limitations of this policy. For further information on what is covered please refer to the policy details on Homenet Insurance’s site.

Legal Assistance

Protects you against the costs of being sued or having to make a claim against someone else under a range of circumstances.

What’s included?

    • £50,000 limit
    • Legal disputes for your insured home like boundary disputes or trespassing
    • Employment disputes
    • Contract disputes
    • Property protection
    • Supplying a legal defence

What’s not included?

    • Clinical negligence

You’ve added this. Annually £26.95 or monthly (12 x £2.25 excluding interest).

Home Emergency Cover

Provides immediate help to resolve an emergency situation as a result of your home being unsafe or insecure, there being a risk of further damage to the property or a risk to family members health and safety.

What’s included?

    • £1,000 limit
    • £0 excess applies
    • Cover for blocked toilets
    • Cover for making the property secure after a theft or attempted theft
    • Cover for a partial failure of heating e.g. no hot water
    • Cover for boiler breakdowns in summer months
    • Cover for boilers which have not been annually serviced
    • Roof damage caused by a storm
    • Removal or treatment of vermin and infestations

What’s not included?

    • Cover for your boiler and its controls
    • Cover for isolating/repair or replacement of leaking pipework causing damage to your home
    • Cover for oil fired boilers

You’ve added this. Annually £40.95 or monthly (12 x £3.41 excluding interest).

Replacement Locks & Keys

Covers repair or replacement of your house keys and locks should they be lost, stolen or damaged.

What’s included?

    • £250 limit
    • Check with insurer for which excess applies
    • Loss or theft of keys to external doors of your home
    • Replacement of other keys on the fob e.g car key following a loss or theft

What’s not included?

    • Cover for internal door locks and keys

These are included as standard

New for Old

Replace items based on current market value opposed to original value at purchase.

What’s included?

    • Replace items at their current market value

Freezer Contents Cover

Cover for loss of food in your freezer as a result of an unexpected failure.

What’s included?

    • Scheme dependent limit
    • Cover for the loss of freezer food as a result of an unexpected failure

What’s not included?

    • Cover for the loss of food in the fridge
    • Repair or replacement of the freezer unit
    • Loss of freezer food if your electricity is shut off by your supplier due to non-payment

Alternative Accommodation

Covers you for alternative accommodation should your home be made uninhabitable due to an insured event.

What’s included?

    • £10,000 limit
    • Temporary accommodation should your home be made uninhabitable by an insured event

What’s not included?

    • Cover for accommodation/kennels for pets

Policy fees

This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.

  • Adjustment fee: £35.00
  • Duplicate document fee: £0.00
  • Payment default fee: £30.00
  • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £45.00

Pros:

  • Personal injury claims cover in this policy plan.
  • Cover for the loss of freezer food as a result of an unexpected failure
  • Home insurance with lodger policy plan cover for a full electrical failure
  • Replacement Locks and Keys cover in this policy plan without giving any other charges.

Cons:

  • This policy plan main cons is its monthly and annual price is very much higher than other companies.

 

Conclusion:

When you compare all four companies plan for home insurance with lodger then we concluded that Intelligent Insurance policy plan is good worth for policyholder. Because it’s annual and monthly installment price are low but the main reason is some feature like ‘Legal Assistance and Home Emergency Cover’ included in this plan without given any extra chargers. And it’s also give you many extra relief and cover many features that policyholder want.

Now we talk about One Call Insurance policy plan, it’s like similar with Intelligent Insurance policy plan. This policy plan cover same policy plans and features like Intelligent Insurance policy plan but its price is little bit higher than Intelligent Insurance policy plan.

When we talk about Home net Insurance policy plan, we cannot prefer this policy plan to our reader because it’s monthly and annual price is very much higher than other. It’s like Intelligent annual installment price is similar there monthly installment price. It’s also not give you any other extra benefits.

Our opinion is Intelligent Insurance and One call Insurance both plan are good for policy holder. At last to our reader see all the plan carefully and then decide which home insurance with lodger policy plan is good for you.

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