Typically we're unable to provide cover if the client has a lodger. An exception to this is where somebody may be living in the property in the same manner as a family member would. For example, they may allow the partner of one of their children to live at the property and in this instance, their cover would be unaffected.

If your client holds Tenants Contents cover with us, then a lodger can live in the same property as them, but it's important to bear in mind that the contents of the lodger wouldn't be covered under the policy.