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.
Standard landlord insurance is generally not suitable for HMOs. Most insurers require you to declare that the property is occupied by multiple unrelated tenants, and specialist HMO insurance is designed to reflect the higher risk profile of these properties.
You can arrange HMO insurance before your licence is granted, but insurers will ask about licensing status. Operating an unlicensed HMO where a licence is required is a criminal offence and may affect the validity of your cover.
HMO insurance typically includes buildings cover, loss of rent, landlord liability, and legal expenses. Some policies include malicious damage by tenants and contents cover for communal areas. Cover is subject to underwriting, insurer terms and acceptance.
Yes, but flat roof properties attract additional underwriting scrutiny. Insurers will ask about the proportion of flat roofing and its condition. We work with specialist insurers who can accommodate non-standard construction.
Call us on 01733 263311 or request a call-back. We do not provide instant online quotes. Our brokers will discuss your property, tenancy type, and licensing status before approaching the market on your behalf.
Cover is subject to underwriting, insurer terms and acceptance