Home insurance - Details not updated after renting property

Based on resolver’s experience to date, if you decide to rent out your house you must let your mortgage lender know of your intentions. If you don’t inform your mortgage lender that you are renting out your house is likely to mean you’re breaking the legal terms and conditions of your mortgage contract. It’s important that you contact your insurer (in the usual way – by telephone or online) to inform them of your intention to let your property, both in terms of your buildings and your contents home insurance. These policies may need to be amended. Be aware that some insurers may charge an administration fee for this and your premiums may change. You will also have to take out a landlord insurance policy. This covers your home when you aren’t living there and have tenants living there instead. It may also be worth looking for landlord insurance that would pay out in the event that your tenants default on making payment if you are worried about this happening. If you think the charges you face for changing your policy are unfairly high - or if you have had to make a change because of what you think is a mistake on the insurer’s part - you can complain to the company directly. Ask for an address for customer services, and write giving clear details of your case - such as what happened, when, and why you think you have been unfairly charged.

Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.

If you can't resolve your issue within 8 weeks of making your complaint (or if you've received a 'deadlock letter' or final decision from the company), you can escalate your case to the Ombudsman.

Your complaint must be under 6 months old to be escalated to the Ombudsman.

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