What is shared house contents insurance?
If you're living in shared housing, you shouldn't need a buildings insurance policy. Your landlord is responsible for providing cover for the building itself. But it's up to you to insure your belongings with contents insurance.
Shared house contents insurance is a home insurance policy designed for people who share a property with others. This includes:
- Students living in university halls of residence
- Students living in private accommodation
- Housemates renting a property together
- Lodgers renting a room in a home
With contents insurance for shared houses you're covered for damage or loss of your belongings caused by:
Your contents are everything you'd take with you if you moved house. Including things like clothes and jewellery, devices, musical instruments and any furniture you personally own within your own room.
What’s the difference between standard contents insurance and contents insurance for shared houses?
Shared house contents insurance is different to a standard contents insurance policy because of the extra risks involved.
Contents insurance for shared houses:
Covers items that are in your room
Doesn't cover any items in communal areas like the kitchen or bathroom
Doesn't cover your possessions outside of your room
Standard contents insurance:
Covers the whole house, including communal areas
Could be cheaper than having individual policies for each housemate
Comes with a higher risk of someone making a claim, which could impact your costs
There are some exclusions that apply to both shared house contents insurance and regular contents insurance.
- General wear and tear to items won't be covered
- Unforced entry, where you're a victim of burglary and the burglar was able to enter the property because doors weren't locked, won't be covered
- Accidental damage isn't a standard feature but you can add it to your policy for an added cost
What our home insurance expert says
Types of home insurance
protects your home and its contents from those unexpected accidents.
can protect you and your rental property against unexpected costs, like building or content damage, as well as any disputes.
can protect your belongings while you're living away from home.
covers your belongings against loss, damage and theft while in your rental property.
protects your thatched roof home against theft, loss and damage.
can offer some protection for your home and belongings if you live in a flood risk area.
can provide peace of mind your home and belongings are protected against loss, damage and theft.
can be tailored to cover the building, content or both depending on whether you own or rent your flat.
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