House insurance for a room in a HMO (no homo)

Cromulent

Cromulent

Cromulent

Soldato
Joined
1 Nov 2007
Posts
6,400
Location
England
I'm thinking about getting house insurance, but I'm not sure what kind of problems I'll run into as I live in a house of multiple occupancies? I have one room in a house with a group of other people and a shared kitchen/shower/bath/toilet.

It is supported accommodation, so there is at least one member of staff here 24 hours a day. Can someone shed some light on this, please? Thank you for any advice you might have.
 
When I lived in a house share, I went with the expectation that anyone could enter my room and snoop about - I don't mean that I wanted it to happen, but anticipated that it could happen. Therefore only took bare essentials.

I left valuables and confidential items with family.

Despite my preparation I still ended up having my watch stolen! As with sods law, a watch I normally wore and the one time I left on the side - it got nicked (I was at home as well). It was not any of the peeps who lived in the property, some young contractor for a Carpet firm who had gone into my room when they went upstairs to use the toilet! I met up with the toad (purely by chance) a couple of days later and confronted. To then receive a friendly visit from the Police (nothing formal or anything) telling me not to take the law into my own hands, they were really sympathetic and on my side but warned me of as I would be the one who gets done! Still makes my blood boil after all these years.

I claimed via the home owner's insurance and it was honoured. But I would check though.
 
HMO lol.

I imagine contents insurance would be dirt cheap on that.

Also please be conscious of your other tenants and keep the music down at night.

Not everyone wants to hear Frankie Goes to Hollywood at 11pm on a Sunday night.
 
You just need contents insurance as the builds insurance is already covered by the landlord... So you could just price up worse case scenario and see if it's worthwhile paying extra money out on an insurance policy.
 
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