SRS Insurance | Specialist Property Insurance for Children’s Homes & Supported Living Landlords
SRS Insurance provides specialist property insurance for landlords leasing buildings to children’s homes, supported living providers, assisted living schemes and semi-independent accommodation. Tailored cover for high-risk, regulated and non-standard tenants.
SRS Insurance – Property Insurance for Landlords Leasing to Children’s Homes, Supported Living & Assisted Living Providers
Renting your property to a regulated care provider is a strong long-term investment — but it also carries higher risks than standard buy-to-let.
When your property is used as:
- An Ofsted-registered children’s home
- A 16–18 semi-independent service
- A Supported Living scheme
- A CQC-registered assisted living home
- A specialist care or supported housing placement
SRS Insurance provides specialist property cover specifically designed for these regulated environments.
Why Standard Landlord Insurance Won’t Cover This Type of Use
Typical landlord insurance assumes:
- ASTs (Assured Shorthold Tenancies)
- Low-risk adults
- Light domestic use
- No regulatory oversight
- No care services
Children’s homes and supported living settings involve:
- High-risk or vulnerable occupants
- Staff on-site 24/7
- Higher wear-and-tear and damage frequency
- Regulatory compliance (Ofsted / CQC)
- Behavioural incidents
- Multiple agencies interacting with the property
Because of this, disclosure is mandatory — if a landlord fails to notify their insurer, claims can be rejected.
Who This Insurance Is Designed For
SRS Insurance protects landlords who rent to:
- Ofsted-Registered Children’s Homes (4–5 bed C2 use)
- SEMH / EBD homes
- 16–18 semi-independent accommodation
- Supported Living providers (non-regulated & regulated)
- Adults with learning disabilities or autism
- Mental health supported accommodation
- CQC-registered assisted living homes
- Supported accommodation run by charities or housing associations
Whether you’re a single-property landlord or a full portfolio investor — we can cover it.
What SRS Insurance Covers
Our specialist landlord insurance includes everything required for higher-risk and regulated placements.
Buildings Insurance
Protection against:
- Fire, flood, storm & escape of water
- Accidental & malicious damage (including resident-caused)
- Impact, vandalism & forced entry
- Damage caused by behavioural incidents
- Damage caused by staff or visitors
Landlord Contents Insurance
Covers:
- Furniture and fixtures
- Flooring and carpets
- White goods
- Communal-room furnishings
- Fire doors, safety equipment & specialist fixtures
(Contents relevant to the provider’s care equipment can be insured by them separately.)
Property Owners’ Liability
Protects against injury or damage claims involving:
- Residents
- Care staff
- Social workers
- Visitors
- Local authority professionals
If someone injures themselves due to a property issue, you (the landlord) may be liable — this cover protects you.
Loss of Rent
Covers income loss if the home becomes uninhabitable due to:
- Fire or flood
- Structural damage
- Major insured events
This is essential for landlords with long-term leases to care providers.
Alternative Accommodation / Rehousing Costs
If required by contract.
Unoccupied Property Cover
For periods where:
- Registration is pending
- Refurbishment is underway
- The provider is onboarding staff
- Awaiting local authority placements
Malicious Damage by Occupants
One of the most critical features — standard policies rarely include this.
Covers:
- Intentional damage
- Violent outbursts
- Behaviour-related property destruction
Supported Living vs Children’s Home – Different Risks, Different Cover
SRS Insurance understands the differences:
Ofsted Children’s Homes
- C2 use class required
- 24/7 staffing
- Behaviour and safety management
- Higher frequency of property damage
- Strict fire and compliance obligations
Supported Living (Non-Regulated)
- Residents may live independently with visiting carers
- Mixed risk profile
- Damage less frequent but still above standard BTL
Assisted Living (CQC-Regulated)
- On-site care teams
- Increased medical equipment
- Specialist property requirements
Each setting requires a different insurance structure — SRS Insurance provides the right one.
Why Landlords Choose SRS Insurance
We specialise in high-risk & regulated property use
- Experienced in children’s services, supported living & care environments
- Work directly with property investors, providers and housing associations
- Fast quotes, even for complex or mixed-use portfolios
- A-rated specialist insurers only
- Policies tailored to your lease agreement
- Guidance on planning class, C2 use, compliance & risk
We understand the care sector — and how it impacts your insurance.
Typical Scenarios We Cover
1. Landlord leasing a 4-bed house to an Ofsted residential home
- Long-term FRI lease
- High-risk residents
- Behavioural damage protection included
2. Supported Living provider renting a 6-bed HMO
- Mixed independence levels
- Staff office on site
- Wear-and-tear and damage increases
3. Assisted living conversion
- Ramped access, widened doors, wet rooms
- Medical equipment on-site
- Higher liability considerations
4. Semi-independent 16–18 placement
- Lower staffing levels
- Higher turnover
- More chance of accidental or intentional damage
Get a Specialist Insurance Quote
If you are a landlord leasing a property to a children’s home, supported living or assisted living provider, SRS Insurance will ensure you are properly protected.
We will help you:
- Disclose the correct occupancy
- Meet contract and compliance requirements
- Avoid underinsurance
- Protect rental income
- Cover malicious damage & liability risks
Safeguard your people, property, and purpose with SRS Charity Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.