There are varying definitions of a HMO (House of Multiple Occupancies), but generally speaking, the standard definition is if there are three or more tenants at the property forming more than one household and there are shared facilities (bathroom, kitchen etc). A large HMO is defined as where the property is at least three storeys and has at least five tenants forming more than one household with shared facilities. Find out more in our article What is HMO insurance.

What are landlord's legal responsibilities for a HMO?

More and more HMOs are coming under licence and each licensing authority will have their own rules, but the main legal requirements are as follows: Annual gas safety checks Electrical checks every five years Proper safety measures in place Ensure property is not overcrowded Adequate cooking and cleaning facilities Property is in a good state of repair

Do you cover properties converted to HMOs?

Yes, we are able to cover these.

Can you provide rent guarantee insurance for HMOs?

Yes, we can provide rent guarantee insurance for HMOs.

If I don’t receive rent for a period of time, can I claim for this through our HMO insurance policy?

If it’s just that your tenant(s) have stopped paying rent, then the answer is no. However, if the property has suffered material damage and is deemed uninhabitable following an insured event, then yes, provided there was a tenancy agreement in place at the time of the loss. A standard HMO policy doesn’t cover tenants defaulting. However, you can purchase an additional product that provides cover per tenancy for tenant default. The price per tenancy reduces depending on the volume of tenancies you purchase it for.

If my tenant(s) maliciously damages my property can I claim?

If your policy provides cover for malicious damage caused by tenants then yes, you can claim up to the limit stated in your policy schedule or in the policy wording. Not all HMO insurances cover malicious damage. However, if this is an important requirement it may be possible to purchase this at an additional cost.

Can I pay HMO insurance in instalments?

You can pay your HMO insurance through monthly direct debit payments or pay annually.

Can I cover students and DSS tenants in a HMO insurance policy?

Yes, cover is available for most tenant types, such as DSS . However, there may be a variation in premium depending on who the tenants are.

HMO Landlord Insurance | Discounts Available

Name: HMO Insurance
Brand: Alan Boswell Group
Rating: 4.8 (11503 reviews)

HMO insurance is very different from landlords insurance. The risks involved are significantly higher and it is essential to seek expert advice.

The Alan Boswell Group Difference

Being specialists in the property sector, we understand the differing risks and legal obligations landlords face. Owning and operating a HMO brings an altogether different set of 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.

We also have a landlord advice hub that is full of useful information to help landlords and property owners find the advice and products needed.

How our customers rate us

Courteous, efficient, and v unusually a highly effective combination of web-based and personal interaction. I can see why they are highly recommended by Which?.

Mr Beale - Landlord Insurance

4.8/5 11503 reviews

Our NIG landlord insurance policy is a Which? Best Buy.

We take great pride in being recognised for our dedication to providing the best service and comprehensive, tailored cover for our customer's needs. If you are unsure of the type of cover you need, our expert advisers are available to help over the phone.