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hmo iNSURance

We're here to help with your HMO insurance

You're letting your property to people who are not a family unit but share facilities: communal areas and living spaces. So, to protect your property and its contents against risks of damage and protect yourself against loss of rental income, you need House in Multiple Occupation (HMO) insurance.

We understand all HMOs are different. There isn't a one-size-fits-all approach to insurance, and your premium rate may depend on how the facilities are shared.

We can help you find the HMO landlord insurance that's right for you, ensuring your assets are protected against the unexpected, quickly and without fuss.

HMO insurance doesn't protect your tenants' personal belongings though, so make sure they're aware that they need to make their own insurance arrangements.

We're here to help with your HMO insurance

You're letting your property to people who are not a family unit but share facilities: communal areas and living spaces. So, to protect your property and its contents against risks of damage and protect yourself against loss of rental income, you need House in Multiple Occupation (HMO) insurance.

We understand all HMOs are different. There isn't a one-size-fits-all approach to insurance, and your premium rate may depend on how the facilities are shared.

We can help you find the HMO landlord insurance that's right for you, ensuring your assets are protected against the unexpected, quickly and without fuss.

HMO insurance doesn't protect your tenants' personal belongings though, so make sure they're aware that they need to make their own insurance arrangements.

Specialist cover to protect you and your HMO

As a specialist HMO landlord insurance broker, we can arrange cover that protects you and your property, including:

  • Buildings insurance
  • Fixed glass
  • Loss of rent
  • Employers liability
  • Property owners liability.

Optional covers include

  • Legal expenses
  • Subsidence
  • Terrorism
  • Accidental damage.

Unoccupied property insurance

If your commercial or residential property is vacant, this insurance offers protection even when it's standing empty.

Holiday let insurance

We'll arrange tailored insurance for holiday let properties and landlords that protects UK holiday homes, cottage or Airbnb lets against the unexpected.

Airbnb insurance

If you are opening up your home to Airbnb guests, you’ll want to insure it against the unexpected. Protect you as a host, and your property offered for short-term let via Airbnb.

Frequently asked questions

Q
Do I need HMO insurance?
A
A standard landlord insurance policy may not cover you if you own an HMO. So it's essential to have specialist HMO landlord insurance in place.
Q
Do I need landlord insurance?
A

Landlord insurance will provide cover for:

Your property

  • Landlord insurance can protect you and your properties from unexpected incidents such as fire or flooding. 
  •  If your property is damaged – accidentally or maliciously – without landlord insurance, it's likely you will have to pay for any repair costs. With the correct landlord insurance in place, these costs can be covered.
  • It can also provide extra cover for furnishings, extended vacancy or even short-term lets.

Your rental income

Should the unthinkable happen, this insurance will protect you from loss of rental income while repairs are underway or if your property is vacant. 

Your reputation

It can also help defend your reputation if you find yourself held liable for injury or illness for injuries sustained in your property. 

 
Q
What type of insurance do I need as a landlord?
A

The type of landlord insurance you need depends on the type and number of properties you have:


Q
How much is landlord insurance?
A
The level of landlord insurance you need will depend on whether you have commercial or residential properties, how many properties you manage, and what covers you require. We have a range of products available, so whether you want additional extras to insure your furnishings, cover for extensive unoccupied periods or even short term lets, we can find suitable landlord insurance cover for you.