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Landlord building insurance - How do you know if tenant is claiming benefit?

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When getting quotes for landlord building (no contents) most insurers ask for tenant details (i.e working or DSS), the price between quotes is substantial (i.e 45% increase for DSS tenant) - question is under the current system where benefit is paid to the tenant, how is a landlord suppose to know if a tenant is working or dss claimant.

In particular, a tenant may be working at the time of tenancy, but later the tenant claims benefit (does it apply to JSA, or HB only?) - is the insurance then invalid?

Has anyone had any issues over this?

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