I have a property near a university and I used to self manage. The area is notorious for students sub-leasing to their friends etc and cramming the house full of people, beyond the legal limit. This worried me from an insurance perspective. So I handed it over to the local LJ Hooker and gave them strict instructions there were to be no more than the legal limit of occupants, but driving past the other day I could see it happening again. The property was packed with people, I could just tell. The place has 7 bedrooms, every light was on. There was a group of students outside having a BBQ. Say there was a fire or some incident, am I protected from both a legal and insurance perspective? Can the insurer turn around and say "hey you had an illegal number of occupants, you're not covered". Or does the agent take on the responsibility? I don't know what else I can do other than what I've already done (hiring an agent, providing strict instructions, telling them that I think they've broken the lease agreement / the law etc).