Letter: Lodging against insurance

Sir: I write with regard to your article 'Insurance block lettings to students' (19 September).

When my three revolting teenage children lived at home, giving endless late-night orgies with a constant stream of total strangers passing through, there was no problem with insuring the house and its contents.

Now I have one mature student as a lodger. She is clean, tidy, quiet and scrupulously responsible but she has rendered me virtually uninsurable.

The system seems to be totally nonsensical.

Yours faithfully,

PENELOPE WOOLFITT

London, N10

19 September