Residential Landlords insurance- HELP!!!

[Buster]

Eey up,

I've now found a lodger who will be renting my spare room off me. I'm looking at upping my contents insurance, but can't seem tot find one that would cover accidental damage and also my contents if he robs me blind (which I'm sure he won't:O ). The insurers I've spoken to so far have said they would only pay out in the case of theft where there was forced entry:finger: . But as the lodger would have their own key, they're hardly likely to waste time kicking down the door to rob me, when they could just use the key instead!

My brain hurts:( so any help much appreciated!! :D

[pixi]

It isn't a barmaid by any chance is it?

[Buster]

I wish! Nope, just some bloke who's happy to rent the room. Could do with the money tbh.

Really need help as don't want to be uninsured!

[expostmanpat]

If he robs you, go outside lock door, then procede to kick it down hth *

*in no way would i advocate insurance fraud*

[pixi]

I wont even begin to tell you what happened to a colleague with a kind heart that took in a lodger. It ended up like something out of a horror filum :eek:

[Wardy]

I'd speak to an insurance broker probably. Do Chris Knott do home insurance?

Steve

[MarkyMarkD]

I can't see how any insurer would want to insure you against the risk of someone you choose to allow to live in your house, with you, stealing your stuff as obviously there's nothing to stop them doing so.

Similarly if you were a landlord letting out a whole property, you can insure against theft (e.g. a break-in) but not against the tenants stealing the furniture or fittings.

Having said that, I don't see why you can't get accidental damage cover in your circumstances.