Insurance for Property Owners Renting to Local Authorities, Asylum Seekers & Homeless Housing
Specialist Property Insurance for Hotels, B&Bs, and Buildings Used for Emergency & Temporary Accommodation
With rising housing demand, refugee crises, and homelessness at record levels, more local authorities are turning to private property owners and landlords to provide emergency and supported accommodation. From hotels and B&Bs repurposed for asylum seekers, to houses leased for rough sleeper and refugee support programmes—this market is growing fast.
But standard property insurance doesn’t cover this kind of use.
At Qudos Insurance Brokers we specialise in non-standard property insurance for property owners leasing to:
- Local authorities
- Asylum seeker placement agencies
- Homeless accommodation providers
- Refugee and rough sleeper schemes
- Housing associations and registered charities
What We Cover
Our insurance packages are tailored to protect against the unique risks of housing vulnerable or high-risk tenants, including:
Property Owners’ Building Insurance
Covers fire, flood, escape of water, storm damage, malicious damage, and accidental damage to the building—even if tenants are placed via a local authority or charity.
Landlord Contents Cover
Covers furniture, white goods, fixtures, and fittings supplied with the property or hotel rooms.
Loss of Rent & Alternative Accommodation
Cover for rental income if the property becomes uninhabitable due to an insured event.
Property Owners’ Liability
Covers injury or damage claims made by service users, contractors, or visitors—for example, a tenant tripping on a stairwell or being injured by a faulty appliance.
Employers’ Liability (If Applicable)
Covers injury claims made by staff, caretakers, or on-site maintenance personnel.
Malicious Damage by Tenants
Protection against intentional damage caused by residents—including where there’s a high turnover of occupancy or difficult-to-vet placements.
Unoccupied Property Cover (Optional)
For void periods before or between contracts, or in cases of under-occupancy due to contract changes.
Who Is This Insurance For?
We work with:
- Hotel & B&B owners leasing full or partial properties to local councils
- Landlords with HMO licenses used for housing vulnerable or asylum-seeking tenants
- Investors converting commercial buildings into short-term accommodation
- Charity partnerships, social housing schemes, and housing procurement officers
- Developers or owners of serviced apartments used for temporary lets
This includes buildings used under:
- Section 188 Housing Act placements (homelessness duty)
- Home Office asylum accommodation contracts
- Syrian Resettlement or Afghan Bridging schemes
- MOD or emergency housing handbacks
Why Standard Insurance Fails
Most high-street insurers exclude cover when:
- Properties are used to house vulnerable or asylum-seeking individuals
- The property is managed by third parties or local authority contractors
- There’s no AST (assured shorthold tenancy) in place
- Tenants are non-paying or placed via emergency housing contracts
- Properties are considered “high-risk” due to occupancy type or volume
That’s why specialist cover is critical.
Why Choose Us?
- Years of experience insuring temporary & supported housing
- Access to A-rated underwriters who understand non-standard lets
- Fast quotes for single properties or full portfolios
- Flexible cover, even for ex-hotels, commercial conversions, or partial lets
- Support with council contract wording, lease compliance, and risk management
Whether you’re housing 6 people or 60, we ensure your property, income, and liability are fully protected.
Frequently Asked Questions
Yes, but only through a specialist insurer. Standard landlord or commercial property policies usually exclude this type of occupancy.
Absolutely. Failing to declare that your building is used for emergency or local authority housing can void your policy at claim time.
Yes. Whether you have a single ex-B&B or 30 houses leased to the council, we can offer portfolio cover with one renewal date.
Yes—we work with property managers, local authority housing leads, and procurement teams to provide compliant, approved cover.
Protect Your Investment with Specialist Housing Insurance
If you’re housing asylum seekers, rough sleepers, refugees, or homeless individuals on behalf of the government or a local council—you need insurance that understands the real risk.