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Letting room in second home - suitable insurance?

Started by Caroline, July 11, 2025, 03:36:27 PM

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Caroline

Hi. I have a second home and because I only ever use one of the rooms, I have let the other room to a tenant using a room-only AST as you can only have a lodger in your main residence. My current insurer won't cover the property in this circumstance so I assumed I would need landlord insurance. However, I'm yet to find a landlord insurance that will cover me either. This is my first experience of letting so I'm unsure what to do. Can anyone advise? Thanks for reading.