An HMO (House in Multiple Occupation) is a property let to three or more tenants from two or more separate households who share facilities such as a kitchen or bathroom. HMOs are subject to specific licensing and management regulations.

Do I need specialist insurance for an HMO?

Yes. Standard landlord insurance is not designed for HMOs and may not provide adequate cover. HMO insurance is specifically designed for the higher occupancy and associated risks of multi-tenant properties.

What does HMO insurance cover?

HMO insurance typically covers the building structure, communal areas, property owners liability, loss of rent, and legal expenses. Optional extensions may include accidental damage, malicious damage by tenants, and contents cover for furnished rooms.

HMO Insurance: A Complete UK Guide

HMO insurance provides specialist cover for Houses in Multiple Occupation, including licensed and unlicensed properties. This guide explains HMO licensing requirements, how they affect your insurance, and what cover is available.