I’m not sure f the English definition of lodgers is different than the US, so if it is, please disregard my comment. In the US, a lodger is typically someone who is paying to stay in the home – maybe an AirBnB/VRBO or a renter of a room or portion of the home. THS doesn’t operate in this way, as you know, so I’m not sure if additional insurance is required. Essentially, as a petsitter, we are guests in your home who have been authorized to use your property in the manner you have proscribed – use the pool, car, kitchen, gym equipment, etc. Therefore, we should be covered under any fair use or guest on premises provisions.