HMO insurance
Protect your HMO with specialist cover from Protect My Let – also part of Howden.
What does HMO insurance cover?
There are various elements of cover included with HMO insurance. With Protect My Let – also part of Howden – some of these include:
Home emergency cover
With boiler cover from £86
Cover for malicious damage by tenants
Peace of mind with protection against malicious damage
Accidental damage cover
Cover for accidental damage by your tenant.
Legal and tenancy eviction
Covers costs related to removing tenants.
What is HMO insurance?
HMO landlord insurance is specialist cover designed to protect a single property that’s let to multiple tenants under multiple tenancy agreements (a house of multiple occupation). This type of property will be registered as an HMO with the local council.
Insuring an HMO can be complicated due to multiple tenants, living spaces and generally complex requirements. Protect My Let – also part of Howden – provide a tailored service to make sure you get complete cover that meets you and your property’s needs.
Frequently asked questions
Looking for more information about HMO insurance? Check out our FAQs.
- Loss of rent and alternative accommodation cover
- Portfolio cover (one renewal date for all your rentals)
- Buildings and/or contents cover, including fixtures and fittings in flats
- Accidental damage caused by tenants
- Property owners liability
- Malicious damage and theft by tenants
- Trace and access cover
- Complete insurance cover for buildings (fire, subsidence, storm, escape of water, flood, vandalism)
- Cover for different construction types
- Terrorism cover
- Landlord legal expenses cover
- Tenancy eviction cover, e.g. serving eviction notices
- Pursuit of rent arrears
Is HMO insurance required by law?
No, HMO insurance is not required by law. But it may be a condition of your mortgage provider if you have one.
Also, just because it isn’t legally required, that doesn’t mean you don’t need it. Having HMO landlord insurance is sensible to protect your investment and when considering duty of care to your tenants.
Interested in HMO insurance?
You might also be interested in…