HMO 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.
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…
Apprentice Property Insurance Handler
Alice did her GCSE’s in 2015 and carried on to do AS level at CNS in Business, Sociology and Psychology. She then went to City…
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