HMO insurance
- Recurring
The short answer
Specialist cover for houses in multiple occupation
- Price from
- £450.00
- Time on site
- 20 to 30 minutes (online or phone consultation)
What you get
You get a comprehensive insurance policy covering your HMO property for buildings, contents (landlord's), liability, and loss of rent, specifically designed for multi-tenant occupancy.
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When do you need a HMO insurance?
This insurance is needed by any landlord operating a House in Multiple Occupation (HMO), whether it's a licensed HMO or one that meets the definition. Standard landlord policies typically do not provide adequate cover for the specific risks associated with multiple, unrelated tenants.
What happens on the day
There is no physical visit. You will have a consultation with an insurance broker to discuss your HMO property's details, tenant arrangements, and specific cover requirements, to secure a suitable policy.
How to prepare
- Your HMO licence number (if applicable)
- Number of tenants and tenancy agreement details
- Details of safety certificates (gas, electrical, fire alarm, EPC)
- Property construction details and age
- Previous claims history for the property
How to improve your result
- Ensure your HMO is fully compliant with all local authority licensing requirements.
- Implement robust tenancy agreements and regular property inspections.
- Prioritise fire safety and regularly check smoke alarms and fire extinguishers.
- Keep up-to-date with landlord responsibilities and regulations.
Why it is useful day to day
HMO insurance protects your investment from property damage, liability claims from tenants or visitors, and loss of rental income, which are all higher risks with multiple occupants. It provides peace of mind that your business is secure.
Why we ask these questions
We ask about the number of tenants, tenancy agreements, property type, and safety certificates (e.g., gas, electrical, fire). These details are vital for assessing the increased risks associated with HMOs and ensuring compliance with licensing requirements for adequate cover.
Frequently asked questions
Often needed alongside
- Recurring
Landlord insurance
Buildings, contents and liability for let property
- Recurring
Letting agent (full management)
Find tenants and manage the tenancy
Buy-to-let mortgage
Mortgages for rental property
- Recurring
Property management
Day-to-day running of let property
- Recurring
Home (buildings) insurance
Buildings cover for owner-occupiers
Limited company buy-to-let
SPV mortgages for company landlords
- Legal requirement
HMO licence application
Prepare and submit licence
- Recurring
Contents insurance
Cover for belongings