Student Accommodation Insurance

Yes. Purpose-built student accommodation (PBSA), student apartment blocks, and halls of residence can be insured through specialist policies tailored to the property’s size, construction, occupancy, and management arrangements.

Loss of rent cover may be included or available as an optional extension, depending on the policy. It can help protect rental income if an insured event makes the property uninhabitable while repairs are carried out.

Student properties can present different risks from standard residential buildings, including higher tenant turnover, multiple occupants, shared facilities, and seasonal occupancy. Specialist insurers can assess these factors and arrange cover suited to the property.

Yes. Converted houses, former commercial buildings, period properties, and other non-standard buildings used for student accommodation may be eligible for specialist insurance, subject to the insurer’s underwriting requirements.

Yes. Buildings insurance can generally include communal areas and shared facilities forming part of the insured property, such as kitchens, hallways, staircases, common rooms, and other permanent facilities, subject to the policy terms.

Yes. Property owners’ liability cover can help protect the owner against claims arising from injury or property damage connected with the insured building, including incidents involving students, visitors, or contractors.

Yes. Owners and investors with multiple student accommodation properties may be able to arrange portfolio insurance covering several buildings under one policy, depending on the insurer and the overall property profile.

Potentially, yes. Where loss of rent cover is included, it may provide protection for rental income following an insured event such as fire or flood, subject to the policy’s terms, conditions, exclusions, and limits.