Home Insurance

IMPORTANT: remember to inform your home insurance provider that you are hosting students

Homestay hosts are advised that Lewis School of English cannot accept any liability for any claim due to damage caused by students, whether by accident or negligence. All homestay hosts providing accommodation to students are required to inform their household insurers that they have students staying with them.

If a homestay host fails to have the appropriate insurance this may well have grave repercussions. At one end of the scale a student may spill tomato ketchup all over your new cream carpet. If the insurance company subsequently find out that a student was responsible for the accident and they have not been informed that the student is living in the house, the company may well decide not to pay out.

At the other end of the scale, however, imagine that a student accidentally starts a fire and burns the house down, with complete loss of home and contents. Since the sum is substantial, a loss adjuster will be appointed as a matter of course. If the insurance company has not been informed of the student living in the house and you do not have the appropriate insurance then it is highly unlikely they will agree to any claim.

We do urge you to think about your own situation and, if you have not already done so, to get in touch with your insurance broker or company.