We advise to inform your insurance company that you are letting a bedroom and ask them what additional cover your need, for example:

• Public and occupier liabilities
• Loss of rental and the cost of re-housing your lodger in the case of fire or flood
• Emergency repairs
• Cost of evicting a bad lodger
• General legal costs

The tenant is responsible for insuring his or her own personal possessions. This is often covered by household insurance on their permanent residence, or can be extended to cover this.