What is HMO insurance?

HMO insurance is specialist landlord insurance for houses in multiple occupation — properties let to three or more unrelated tenants sharing facilities. Standard landlord insurance is typically unsuitable for HMOs due to the increased risk profile.

Do I need specialist insurance for a licensed HMO?

Yes. Licensed HMOs require specialist insurance that reflects the higher occupancy risk, shared facilities, and licensing obligations. Standard residential or landlord insurance policies often exclude or limit cover for HMOs.

What does HMO insurance cover?

HMO insurance covers the building structure, loss of rent, property owners liability, legal expenses, and optional extensions such as malicious damage by tenants, accidental damage, and unoccupied property cover.

HMO Insurance for UK Landlords

HMO insurance arranged for landlords with Houses in Multiple Occupation, including licensed and unlicensed properties. Specialist cover from an FCA-regulated broker.

Cover is subject to underwriting, insurer terms and acceptance