Home Insurance with Lodgers

Home Insurance with LodgersEmber JD is a UK home insurance broker, established in 1919. Offering competitive quotes for Home Insurance with Lodgers. Covering the homeowners contents and liability insurance. With options to include buildings, full accidental damage cover and personal possessions away from home.


Home Insurance with Lodgers | Covering your home & liabilities

Sharing your home with lodgers can make good sense, but you need the right house insurance policy giving you extra cover at the best price. Our policy is specifically extended to cover your legal liability for accidents to lodgers. For example, if your lodger injures themselves in your home and holds you responsible. Court awards for injury claims can be substantial. Without liability insurance in place the consequences would be very costly.

Loss of rent and cost of temporary accommodation

Loss of your rental income from lodgers and the cost of your temporary accommodation is also included. Based on up to 25% total per claim of the sum insured for buildings and contents combined or contents only. Depending on whether you have a combined policy or just contents. This extension becomes operative if disaster strikes and your home becomes uninhabitable following insured damage. Such as a fire or flood.

Option to include accidental damage cover

Under both buildings and contents. Even if damage to your home and possessions is accidentally caused by your lodgers.

If your insurer or quote provider cannot give you these important policy extensions or continue cover at all, we can help with a peace of mind solution at a great price. Click on the insurance checklist and see our Home Insurance with Lodgers summary below:

✔ Quotes and cover with quality A-rated UK insurers.
✔ We cover homes shared with up to 3 lodgers.
✔ Option to include full accidental damage cover for contents and buildings.
✔ Personal possessions away from home can be added with a choice of covers.

Included with our contents insurance

✔ Your personal contents within the home.
✔ Legal liability cover for accidents to lodgers with a £2,000,000 indemnity limit.
✔ Cost of your temporary accommodation following major insured damage.
✔ Loss of home keys and replacement locks.

Included with our buildings insurance

✔ Your buildings including garages and outbuildings.
✔ Cost of tracing and accessing the source of water leaks.
✔ Professional fees and removal of debris following a claim.
✔ Loss of rent from your lodgers following major insured damage and,
✔ Cost of your temporary accommodation following major insured damage.

About us

Our role is a simple one. We have negotiated underwriting authority for the classes of insurance that we offer with respected providers. For a quote please complete the online quote form. This gives you many cover options to meet your needs and in turn gives up all the information required for us to quote. We then set out our best quote to you in a plain English easy to understand format. marrying your cover requirements, with the details and wording. All the information is set out, including the quote form you completed, which forms the basis of the quote and cover. The statement of fact.

To continue with your House Insurance with Lodgers quote please click Request a Quote below.