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01603 216399HMO insurance is very different from landlords insurance. The risks involved are significantly higher and it is essential to seek expert advice.
Being specialists in the property sector we understand the differing risks and legal obligations landlords face. Owning and operating an HMO bring an altogether different set or requirements to a run of the mill buy to let property. With highly skilled individuals we will guide you through the assessment of your risks and exposures when renting out an HMO.
Good value and great during a crisis
Our HMO insurance covers:
There are varying definitions of an HMO (house of multiple occupancies) , but generally speaking, the standard definition is if there are 3 or more tenants at the property forming more than one household and there are shared facilities (bathroom, kitchen etc). A large HMO is defined if the property is at least 3 storeys high and at least 5 tenants forming more than 1 household with shared facilities. Find out more in our article on What is HMO insurance
More and more HMOs are coming under license and each licensing authority will have their own rules, but the main legal requirements are as follows:
Yes, in some instances we can provide cover for these circumstances.
Yes, we are able to cover these.
Yes, we can provide rent guarantee for HMOs.
Insurance Adviser
Amanda is an insurance adviser specialising in personal lines including landlords insurance, boat, motor, home and travel.
Insurance Adviser
Louise has worked in insurance since finishing her education in 2011. She started out in the motorcycle insurance industry and moved briefly into private healthcare insurance…
Insurance Adviser
Kate has worked for Alan Boswell in the landlords and personal lines department since 2009, she began employment within the insurance industry in 2003.
Flexible Landlords Insurance products from a market-leading broker. Compare quotes for your buildings, contents and liability insurance for commercial or residential properties.
Our Landlord Contents Insurance is for the properties you have left fully or part furnished and provides cover for the furnishings, fixtures and fittings.
Flexible buy-to-let insurance from a market-leading broker. Compare quotes for your buildings, contents and liability insurance.
Landlord building insurance is a vital cover for your rental properties we can search the market, compare quotes and arrange your insurance so you get the best insurance available
Referencing of tenant(s) employment history, tenant history, identity and credit history and affordability.
Airbnb insurance protects you as an Airbnb host should one of your paying guests cause any accidental damage to your treasured rental home.
A comprehensive flat insurance policy tailored to your requirements will give you peace of mind, talk to one of our specialists today or get a quote online
We provide essential insurance with competitive premiums for landlords and property owner that run serviced accommodation properties.
Commercial buildings insurance for landlords from a market-leading broker. We’ll search the market and compare quotes quote so you can choose the best insurance
Provides insurance for non payment of rent in the event of a tenant defaulting as well as any landlord legal expenses cover of up to £100,000
Provides cover for your rental property, including repossession of property and other legal disputes.
Home Emergency Cover for your own or rental property in the event of a domestic emergency e.g. boiler breakdown, failure in utilities etc
Excess protection insurance provides cover for unexpected expenses from insurance excess charges. Available from only £20 a year.
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