Standard Landlord Insurance May Not Be Suitable
Many insurers treat supported accommodation differently from:
- Standard residential lets
- Student accommodation
- HMOs
The insurer should always be informed if the property is being used for supported accommodation purposes.
Why Disclosure Matters
Insurers may wish to understand:
- Who occupies the property
- Whether support staff attend
- The type of referrals involved
- Security arrangements
- Length of occupancy
Failure to disclose the true use of the property could potentially affect claims.
Important Covers for Landlords
Buildings Insurance
Protection for the structure of the property.
Property Owners Liability
Important where injury or damage claims arise connected to the property.
Loss of Rent
Provides protection if the property becomes unusable following an insured event.
Malicious Damage
Can be important where vulnerable or higher-risk occupancies are involved.
Lease Agreements Should Be Reviewed Carefully
Landlords should ensure lease agreements clearly define:
- Maintenance responsibilities
- Insurance obligations
- Repair responsibilities
- Occupancy arrangements
Specialist Insurance Advice
Supported accommodation is a specialist area of underwriting and should be presented correctly to insurers from the outset.
At SRS Insurance, we assist landlords, supported living operators, and housing providers across the UK with specialist insurance solutions tailored to the sector.
Speak to a Specialist Broker
At SRS Insurance, we help landlords and supported accommodation providers arrange specialist insurance tailored to supported living risks.
