Shared accommodation

Student and HMO Property Insurance

Student lets and HMOs often need clearer underwriting detail because occupancy, licensing, communal areas, tenant turnover and management controls differ from standard single-family lets.

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Who It Is For

  • Student landlords and HMO property owners
  • Portfolio landlords with shared accommodation
  • Property managers reviewing licence or communal-area risk

Cover To Review

  • Buildings, contents and property owners liability
  • Loss of rent, malicious damage and legal expenses
  • Communal areas, fire safety and tenant liability exposure
  • Terrorism, cyber and management liability where relevant

Underwriting Detail

  • Number of tenants, tenancy type and HMO licence status
  • Fire alarms, inspections, communal areas and security
  • Student, professional, DSS or mixed tenant profile
  • Management arrangements, claims and maintenance history

Related Insurance Pages

Student and HMO Property Insurance FAQs

Is HMO insurance different from landlord insurance?It can be because occupancy density, licensing, communal areas and fire-safety obligations change the risk.

Can student lets be included in a portfolio?Often yes, but the student exposure and property management controls should be declared clearly.

What information do insurers need?Tenant profile, licence status, safety controls, inspections, management arrangements and claims history are usually important.