How do you insure house that you own and let family live in UK, you need landlord buildings insurance $200 to $400 per year for £200K building, plus optional landlord contents and liability $10M, even if family not paying rent, as standard home insurance may not cover if you do not live there. If you own house and let family live rent-free or low rent, it is considered non-commercial let or family let, with many insurers like Aviva, Direct Line, Legal & General offering landlord building insurance for family let $200 to $400 per year for £200K building, covering fire, storm, flood, theft and liability $2M, with requirement that family are responsible and property inspected every 90 days. You should be policyholder as owner, with family noted as occupants, and have insurable interest as owner. If you let family live rent-free, some insurers treat as unoccupied if no tenancy agreement, so you need landlord insurance with family let endorsement, not standard owner-occupier home insurance which requires you live there. You also need to inform insurer that family living there, not you, otherwise claim may be denied. For contents, family should get their own contents insurance £100 to $200 per year for belongings £20K. If family paying rent, need full landlord insurance with rent guarantee optional. So to insure house you own and let family live in UK, get landlord buildings insurance $200 to $400 per year for £200K with family let noted, with owner as policyholder and family as occupants, plus liability $2M, with inspection every 90 days, from Aviva, Direct Line or specialist landlord insurer.
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