HMO
Insurance
What is HMO Insurance?
HMO Insurance is specialist cover designed for landlords who rent out Houses in Multiple Occupation. Unlike standard landlord insurance, HMO policies provide protection against the unique risks of renting to multiple tenants under separate agreements, ensuring cover for property damage, liability claims, and loss of rent.
For professional landlords, property investors, and letting agents, HMO Insurance is essential to protect your property, income, and liabilities.
Who Needs This?
If you own or manage an HMO, specialist insurance is crucial to protect your investment. This includes:
- HMO Landlords – Owners of shared houses, student accommodation, and multi-tenant properties.
- Portfolio Landlords – Those managing multiple HMOs or rental properties.
- Letting Agents – Managing HMOs on behalf of landlords.
Why is it Important?
Standard landlord insurance often doesn’t cover HMOs. Without specialist cover, you could be exposed to significant financial losses if something goes wrong.
Common risks covered by HMO Insurance include:
- Property Damage – Protection against fire, flood, storms, and tenant-related damage.
- Loss of Rent – Covers lost income if your property becomes uninhabitable due to an insured event.
- Landlord Liability – Covers legal fees and compensation if a tenant or visitor is injured on your property.
- Alternative Accommodation – Covers rehousing costs for tenants if the property is uninhabitable.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
HMO Insurance policies typically include:
- Buildings Insurance – Protection for structural damage and repairs.
- Landlord Contents Insurance – Covers furnishings in common areas.
- Landlord Liability – Protects against tenant injury claims.
- Loss of Rent – Compensation for rental income loss due to insured events.
- Malicious Damage Cover – Protection against intentional damage by tenants.
What's Not Covered
- General wear and tear of the property.
- Non-payment of rent (unless rent guarantee cover is included).
- Tenant negligence (unless covered under an optional add-on).
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does HMO cover you for?
HMO (House in Multiple Occupation) Insurance is specifically designed to cover the unique risks of renting to multiple tenants—such as increased wear and tear, complex liability, and stricter legal requirements. Insurably® provides tailored HMO cover that protects your property and helps you stay compliant, giving landlords peace of mind and confidence to manage their portfolio effectively.
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