Landlord Insurance for parent

[RedHeadPom]

My dad passed away early 2020 & the house was left to my brother & I. My elderly mother continues to live in the property (rent free) which we maintain. I was advised I would need to obtain landlord insurance as the property was not in my mothers name however I'm now coming up against the issue of a tenancy agreement is required?? We don't have anything currently in place & not sure where to start. Any assistance appreciated!!!!
She will be moving in with my half-sister at some point this year & then the house will be sold.

They should have a clause (called an endorsement) on saying is it's family living there then they don't have to have a tenancy agreement
When you ring up to get quotes they'll go through it all with you but you can query it at the start to check

You can get a lease agreement template for £10-£20 from somewhere like WHSmiths or I'm sure online somewhere as well. Doesn't necessarily need to be rent involved but a formal agreement makes everything official and avoids any issues with obtaining landlords insurance. This site may help further: Letting to Family Members

Landlord insurance normally means insurance against tenant not paying rent. Do you mean land and buildings insurance? You shouldn’t need a tenancy agreement for that.

@FudgeSundae that is not entirely true - the premise
www.huffinsurance.com/blog/how-do-i-insure-a-house-that-i-own-and-let-my-family-live-in/
www.ashburnham-insurance.co.uk/blog/2016/12/letting-to-family-members/

Do you want me to private message with a company who can cover?
(Where you won't need a tenancy agreement because it's family living there?

[quote mumwon]@FudgeSundae that is not entirely true - the premise
www.huffinsurance.com/blog/how-do-i-insure-a-house-that-i-own-and-let-my-family-live-in/
www.ashburnham-insurance.co.uk/blog/2016/12/letting-to-family-members/[/quote]
Right, you can’t get normal land and buildings insurance unless you’re a homeowner. But if you ask someone for “landlord insurance” you might well get the tenant payment protection insurance rather than non homeowner land and buildings.

@purpleme12

Do you want me to private message with a company who can cover? (Where you won't need a tenancy agreement because it's family living there?

Yes please

Thanks for the info, think I will check out WHS option.

@FudgeSundae in my experience, the insurers refer to this as rent guarantee insurance so I've never experienced any confusion