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As younger people find it increasingly difficult to get onto the property ladder in the UK, house shares and flatshares are becoming much more common in many parts of the country.
And it’s no longer just students that are living in house shares – in cities like London, Cambridge, Manchester and Edinburgh a growing number of young professionals are living in house shares because the cost of renting their own one-bed flat simply doesn’t line up with their average income.
Of course, it’s still a wise idea to invest in home insurance even if you share your home with other tenants, which is why houseshare insurance might be a good option.
Is house share insurance mandatory in the UK?
No, it’s not mandatory from a legal perspective, because house share insurance is a form of contents insurance, which isn’t a legal requirement in the UK.
However, it might be mandatory from a contractual point of view, because it is possible the shorthold tenancy agreement you signed might have included a clause requiring you to take out your own contents insurance policy.
These clauses do differ from one tenancy agreement to the next, so it’s worth double checking your own to see where you stand.
How much does contents insurance for a shared house cost?
Insurance providers use a wide range of variables in their insurance premium calculations, many of which will be specific to your property. For instance, your post code can have a significant impact on the cost of your contents insurance for a shared house, because it will be used to assess the crime rate in your area.
Your property’s security system, size, and type of locks will be a factor too, so it’s impossible to predict how much your shared house insurance is likely to cost without running a real comparison of home insurance quotes.
Is it true that a shared house contents insurance policy doesn’t cover laptops and smartphones?
It depends on the particular shared house insurance policy you take out – some policies will include cover for laptops and smartphones as standard (up to a certain single item limit), while other policies might require you to add gadget insurance as an optional extra.
That’s why it’s critical that you check the terms of any insurance policy before you sign on that dotted line.
Does shared house contents insurance cover my contents against accidental damage?
Most shared house insurance policies don’t include accidental damage insurance as standard, but it’s usually possible to add this type of cover to your policy for an additional fee.
If you decide not to add accidental damage cover then you usually won’t be covered if you, one of your housemates, a pet or a visitor to your home accidentally damages your belongings.
Should housemates in a houseshare take out a joint house share insurance policy?
This is certainly worth considering, because it’s likely to be a little more cost effective than each tenant taking out their own contents insurance policy.
It’s also important to bear in mind that if you take out your own contents insurance while living in a shared house this can sometimes limit your coverage to the contents of your own bedroom, whereas a joint policy taken out as a household would ensure everything in the property is covered.
How can I find the best deals on my flatshare insurance?
Some insurance providers offer home insurance deals to new policyholders, so rather than accepting your existing provider’s renewal quote you should shop around for new houseshare insurance quotes when your policy is up for renewal.
It’s also worth bearing in mind that some banks offer their account holders home insurance discounts when they sign up for a new policy, and a few even offer account holders free home insurance, so it’s worth checking with your bank before you shared house insurance quotes from other providers.