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Insurance For Houses In Multiple Occupation
HMO property owners insurance can help landlords protect buildings, liability and rental income where a property is occupied by multiple tenants or let as shared accommodation. The risk profile can be different from a standard single-family let because occupancy, communal areas, fire safety, management and tenant turnover may all affect underwriting.
Insure24 can help property owners compare cover for HMO buildings, shared accommodation, bedsits and related landlord risks. Cover depends on the property, tenant type, occupancy, claims history, safety arrangements and insurer appetite.
Properties This Page Targets
- Houses in multiple occupation
- Shared accommodation for professional tenants
- Bedsits and room-by-room lets
- Mixed residential blocks with more complex occupancy
Cover To Review
- Buildings, fixtures and landlord contents
- Property owners liability
- Loss of rent after insured damage
- Legal expenses and malicious damage options
Information Insurers Commonly Need
For HMO and shared accommodation risks, insurers may ask about licensing, number of occupants, tenant profile, property management, alarms, fire doors, communal areas, cooking arrangements, previous claims, unoccupied periods and any renovation or conversion works.
Where a property has non-standard construction, subsidence history, underpinned foundations, previous declines or adverse claims, it may also need a non-standard property owners market.
Related Pages
Useful related pages include commercial property insurance, mixed-use property insurance, property owners liability, unoccupied property insurance and property portfolio insurance.