HMO Insurance
HMO Insurance Cover for Landlords of Houses in Multiple Occupation
Owning and managing a House in Multiple Occupation (HMO) comes with higher risks than a standard rental property. From tenant-related damage and fire risks to unpaid rent and legal disputes, landlords need specialist protection to safeguard their investment and comply with legal requirements.
ABA Insurance provides specialist HMO Insurance, offering tailored protection for landlords renting to multiple tenants, student accommodation providers, and property investors. Our policies cover building damage, rental income loss, liability claims, and legal expenses, ensuring your HMO is protected and legally compliant.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is HMO Insurance?
HMO Insurance is a specialist landlord insurance policy designed for properties rented out to multiple tenants who are not part of the same household. It offers enhanced protection compared to standard Buy-To-Let Insurance, reflecting the higher risks associated with HMOs.
This insurance is essential for:
- Landlords of shared student accommodation
- HMO property investors and portfolio landlords
- Landlords renting to professionals, families, or benefit tenants
- Licensed and unlicensed HMOs
- Short-term lets and multi-unit rental properties
Without the right cover, landlords could face financial losses due to property damage, unpaid rent, or legal disputes with tenants.
Why Do You Need HMO Insurance?
Enhanced Property Protection for Multi-Tenant Risks
With multiple tenants living under one roof, the risk of accidental and malicious damage, fire, and maintenance issues increases. This policy covers building repairs, renovations, and property damage.
Cover for Loss of Rental Income
If your HMO becomes uninhabitable due to an insured event, such as a fire or flood, business interruption insurance helps cover lost rental income while repairs are carried out.
Landlord Liability Cover for Tenant and Visitor Injuries
If a tenant suffers an injury due to a defect in the property, such as a broken staircase or faulty wiring, you could be held legally responsible. Public liability insurance covers legal costs and compensation payouts.
Rent Guarantee Insurance for Unpaid Rent
With multiple tenants, the risk of late or missed rent payments increases. Rent guarantee insurance ensures continued rental income, even if tenants default on payments.
Legal Expenses Protection for Disputes and Evictions
Managing multiple tenants can lead to disputes over deposits, eviction proceedings, or contract breaches. This policy covers solicitor fees and court costs.
Compliance with HMO Licensing and Legal Requirements
Most HMOs require a local authority license and must meet strict fire safety and property management regulations. This insurance ensures landlords meet their legal responsibilities.
What Does HMO Insurance Cover?
- Buildings insurance for property damage due to fire, floods, and storms
- Landlord contents insurance for furnishings, appliances, and fixtures
- Loss of rental income cover for uninhabitable properties
- Public liability insurance for tenant and visitor injury claims
- Employers’ liability insurance for staff or maintenance workers
- Legal expenses cover for evictions and tenant disputes
- Rent guarantee insurance for missed or unpaid rent
- Accidental and malicious damage cover for tenant-related damage
- HMO-specific cover ensuring compliance with licensing regulations
Get The Right Business Insurance
How We Get You The Right HMO Insurance First Time Round
Concerned About Damage from Multiple Tenants?
HMO properties experience higher wear and tear than standard rentals. Our policies cover accidental, malicious, and fire-related property damage.
Worried About Unpaid Rent?
Missed rent payments from multiple tenants can affect mortgage payments and cash flow. Rent guarantee cover ensures steady rental income.
Need Protection Against Legal Disputes?
Evictions and disputes can lead to costly legal battles. Our legal expenses cover helps landlords navigate complex tenant issues.
Unsure If You Need Specialist HMO Cover?
Standard Buy-To-Let Insurance does not cover HMOs. Our HMO Insurance ensures full compliance with local licensing regulations.
Looking for Cost-Effective Landlord Insurance?
We offer customised policies for single HMO properties or multi-property portfolios, ensuring affordable and scalable protection.
How Much Does HMO Insurance Cost?
The cost of HMO Insurance depends on:
- The size and location of the HMO property
- The number of tenants and property occupancy type
- The level of building and contents cover required
- The rental income and risk of unpaid rent
- Security measures such as fire alarms and safety equipment
- Previous claims history and overall landlord risk assessment
ABA Insurance provides tailored policies at competitive rates, ensuring landlords receive the best protection for their rental properties.
Why Choose ABA Insurance for HMO Insurance?
- Industry expertise with specialist cover for HMO landlords
- Flexible policies designed for small and large HMO portfolios
- Competitive pricing with cost-effective landlord insurance packages
- Fast quotes and an easy application process
- 24/7 support and claims assistance for hassle-free settlements
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for HMO Insurance Today
Protect your HMO property, tenants, and rental income with HMO Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.