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HMO Insurance

HMO Insurance

Specialist protection for landlords who own or manage Houses in Multiple Occupation (HMOs).

Owning an HMO property can be rewarding, but it also comes with higher risks and greater responsibilities than standard buy-to-let. With more tenants, more rooms, and more shared spaces, you need insurance that’s built for your type of property.

At The Yorkshire Broker, we help landlords arrange the right HMO Insurance, giving you peace of mind that your property, income, and liability are properly protected.

What is HMO Insurance?

HMO Insurance is a specialist type of landlord cover designed for Houses in Multiple Occupation, properties where three or more tenants live, forming more than one household, and share facilities such as a kitchen or bathroom.

Because HMOs carry increased risks (such as higher tenant turnover, fire safety obligations, and more wear and tear), standard landlord insurance usually isn’t enough.
HMO Insurance ensures your property and liability are covered correctly, protecting you against the risks unique to shared accommodation.

Who Needs HMO Insurance?

You’ll need HMO Insurance if you rent out a property that is:

Shared by three or more tenants from different households

A student let or shared house

A bedsit, flat share, or multi-room property

A converted building containing multiple tenants

Managed by you directly or through a letting agent

Whether you own a single HMO or a portfolio of properties, we can arrange cover tailored to your setup.

What Does HMO Insurance Cover?

Your HMO Insurance policy can include a range of covers to suit your property type and tenancy arrangements.

Buildings Insurance

Covers the structure of your property, including, fitted kitchens, bathrooms, and outbuildings, against perils such as fire, flood, storm, subsidence, or vandalism.

Landlord Contents Insurance

Protects furniture, appliances, and fixtures you provide for tenants within communal or furnished areas against accidental damage, fire, or theft.

Loss of Rent & Alternative Accommodation

Covers loss of rental income if your property becomes uninhabitable following an insured event, such as a fire or escape of water. It can also cover the cost of rehousing tenants temporarily.

Property Owners’ Liability

Protects you if a tenant, visitor, or tradesperson is injured on your property or their belongings are damaged, and you are found legally responsible.

Landlords’ Emergency Cover

Optional cover that provides 24-hour assistance for emergencies such as burst pipes, boiler failure, or broken locks.

Employers’ Liability (if required)

If you employ staff such as cleaners, caretakers, or maintenance workers, this cover is a legal requirement.

Accidental Damage & Malicious Damage by Tenants

Protects against unexpected damage caused either accidentally or deliberately by tenants.

Legal Expenses & Eviction Cover

Covers legal costs involved in recovering rent arrears, pursuing eviction proceedings, or defending your rights as a landlord.

Why Choose Specialist HMO Cover?

HMOs often have:

More tenants and shared areas, increasing accident and damage risks

Greater responsibilities under fire and safety regulations

Higher wear and tear and more frequent maintenance needs

A greater likelihood of claims due to multiple occupants

Having the correct HMO Insurance ensures you meet lender and local authority requirements while keeping your investment secure.

Additional Cover Options

Depending on how your property operates, you may also consider:

Loss of licence cover

(for properties requiring an HMO licence)

Rent guarantee insurance

to protect against tenant default

Legal Expenses & Eviction Cover

Covers legal costs involved in recovering rent arrears, pursuing eviction proceedings, or defending your rights as a landlord.

Portfolio cover

to insure multiple HMOs under one policy

Terrorism cover

(if required by lenders or local authorities)

Why Choose The Yorkshire Broker?

  • Independent advice from experienced insurance professionals
  • Access to a wide range of specialist HMO insurers
  • Policies tailored to your property type, tenants, and budget
  • Friendly, personal service with ongoing support and claims help

We take the time to understand your business and the specific needs of your property portfolio, ensuring you’re fully covered without paying for what you don’t need.

Protect Your HMO Property Today

Whether you manage student houses, shared accommodation, or professional lets, we’ll help you find the right HMO Insurance for complete peace of mind.

Call us today on 01924 929070 to speak with one of our advisers and get a quote for your HMO Insurance.

01924 929 070

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Speak to a member of our dedicated team

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