Insurance room rental To compare
Your property with room rental is well insured. Specialist in landlady homes and non-independent living spaces. We find a solution where standard insurers give up.
🏠 Premium indication 2025
Reporting obligation: Room rental Always Report!
Are you going to rent out rooms in your home? Report this to your insurer. Room rental is seen as an increase in risk due to more intensive use. Many regular building insurance policies do not cover room rental. In the event of damage, the insurer may refuse to pay out. We will find an insurance company that does accept room rental.
We Insure All Forms of Room Rental
From a landlady with one room to a building with several independent living spaces.
Landlady House
Live in yourself, rent out a room
Independent Rooms
Shared facilities
Room building
Completely for room rental
Student rooms
Rental to students
Young Professionals
Working starters
Expats & Internationals
Foreign tenants
Migrant workers
Seasonal workers
Residential group
Communal living
Landlady vs. Room rental
👵 Landlady rental
- ✓ You live in the house yourself
- ✓ Rents 1-2 rooms
- ✓ Shares facilities with tenant
- ✓ Daily supervision available
- ✓ Often no permit required
- ✓ Easier to insure
🏠 Room rental (without landlady)
- ✓ You do not live in the home
- ✓ Rents 3+ rooms
- ✓ Tenants share among themselves
- ✓ Less direct supervision
- ✓ Often a conversion permit is required
- ✓ Higher premium insurance
Permits & Regulations
✅ Often without a permit
- ✓ Landlady: 1 room for 1 person
- ✓ Single household + 1 tenant
- ✓ Rental to 1st/2nd degree family
- ✓ Residential group (under conditions)
⚠️ Usually requires a permit
- ⚠️ 3+ people at one address
- ⚠️ Conversion to independent
- ⚠️ 5+ rooms: extra fire safety
- ⚠️ Always check with your municipality!
What does the Room Rental Insurance cover?
Extensive coverage for your property with room rental. Including damage caused by tenants.
Fire & Explosion
Fire due to cooking, short circuit, electronics. Also smoke damage and fire extinguishing damage. Essential for multiple tenants.
Water damage
Leaks due to intensive use of sanitary facilities, burst pipes. Often caused by shared use.
Storm & Hail
Damage to roof, facades and windows due to storms. Hail damage to the roof and window frames is also insured.
Burglary & Vandalism
Damage caused by burglars to common areas. Theft by tenants NOT covered.
Glass breakage
Windows and glass doors. Separate glass insurance possible for buildings with many windows.
Loss of rent
Lost rental income if rooms are uninhabitable due to damage. Up to 12 months loss of rent.
How much does room rental insurance cost?
Indicative premiums 2025. Premium higher than regular rental due to increased risk. Depending on number of rooms, location and reconstruction value.
Landlady House
1-2 rooms, self-catering
Room building Small
3-4 rooms, rebuild up to €400K
Large room building
5+ rooms, rebuild €400K+
Why Choose Us?
Room Rental Specialist
We know the specific risks and regulations and find solutions where standard insurers fail.
Landlady Kennis
We advise on the difference between landlady and room rental and the consequences for your insurance.
Permit Assistance
We advise on permits and municipal rules that influence your insurability.
Competitive Premiums
Despite increased risk, we find competitive premiums by comparing 30+ insurers.
Fire safety advice
We advise on smoke detectors, fire extinguishers and other requirements that insurers may impose.
Fast Claims Settlement
We are ready to help you in the event of damage. Advance payment for quick repair.
100% Independent
We advise in your interest, not that of the insurer.
50+ Years of Expertise
More than 50 years of experience in property insurance for landlords.
Frequently Asked Questions
Insure room rental?
Specialist in room rental and landlady homes. All types of tenants welcome. Request a quote without obligation.
