UK HMO Insurance Quotes
HMO Insurance
Specialist cover for houses in multiple occupation, protecting the buildings, communal areas, your room income and your liability across student and professional house shares.
Why compare HMO insurance with us?
- Compare specialist HMO buildings and £5m+ property owners' liability cover
- Cover for 3 to 7+ bed HMOs, student and professional house shares
- Rated 4.8/5, 97% recommend us
What is HMO insurance?
HMO insurance is specialist cover for a house in multiple occupation: a property let to 3 or more tenants who form 2 or more separate households and share facilities such as a kitchen or bathroom. A large HMO, and mandatory licensing, applies at 5 or more tenants across 2 or more households in England and Wales, while in Scotland every HMO needs a licence whatever its size. Because an HMO carries more tenants, communal areas and higher liability exposure than a single let, a standard buy-to-let or home insurance policy will not cover it and can be voided at claim stage. HMO cover is a specialist branch of landlord insurance, rated on the number of rooms and tenants, the tenant type, the licensing status and the fire precautions in place.
HMO insurance covers shared houses of every size, from a 3 bed professional house share to a 7 bed student HMO under a mandatory licence, and the risk changes with each one. More tenants, higher turnover and communal kitchens and bathrooms mean greater wear and tear and a larger liability exposure than a single buy-to-let on the same street. Insurer appetite varies by the number of rooms, the tenant type and the licensing status, which is why specialist broker placement matters more than a mainstream home insurance quote.
An HMO sits within landlord insurance, but it is rated differently from a single let: buildings at full rebuild cost including communal areas, property owners' liability from £5m as standard, and loss of rent based on the total room income rather than one tenancy figure. A standard buy-to-let or home policy does not extend to a licensed HMO, and using one can invalidate a claim at the moment it is needed most.
Brokers on our panel underwrite HMOs day in, day out. They understand why occupancy and fire safety drive the premium, why insurers ask for working fire alarms, fire doors, a current Gas Safety Record and an EICR at least every 5 years, and why staying within the maximum occupancy on the HMO licence is a policy condition. They price the cover against the real property, its rooms and its tenants rather than treating every let the same way.
Related landlord cover
How HMO insurance works
Tell us about your HMO
Number of rooms and tenants, rebuild cost, tenant type, licensing status, fire precautions, location and any past claims. The more accurately you declare these details, the tighter the quotes the specialist HMO panel can send back.
Compare specialist HMO quotes
Your details go to brokers who underwrite HMOs daily. They price buildings, landlord contents, £5m+ property owners' liability and loss of rent against your specific rooms and tenant profile.
Choose your cover and stay protected
Pick the policy that fits your HMO. Professional house shares, student HMOs, or larger licensed HMOs of 5 or more tenants, with cover that meets your licence conditions.
What does HMO insurance cover?
HMO insurance combines buildings cover at full rebuild cost with the higher liability limits and rent protection a shared house needs but a standard buy-to-let policy will not provide. Here are the six cover lines that make up a typical house of multiple occupation policy.
Buildings cover at full rebuild cost
Cover for the structure, communal areas and landlord fixtures against fire, flood, storm, escape of water, subsidence, malicious damage and theft. The sum insured is set at full rebuild cost, not the market price, and includes shared hallways, kitchens and bathrooms along with site clearance and professional fees.
Property owners' and public liability
Legal liability cover if a tenant, visitor or member of the public is injured, or their property damaged, by a fault with the building. Cover of £5m is standard for HMOs, with £10m often recommended for larger houses of multiple occupation. Shared kitchens, stairs and communal areas raise the exposure, so this cover is essential.
Loss of rent on total room income
Replaces lost rental income if the property becomes uninhabitable after an insured event such as a fire or flood, based on the total income from every let room rather than a single tenancy figure. It also pays for alternative accommodation for your tenants while repairs are carried out. Indemnity periods of 12, 24 or 36 months are common.
Landlord contents for shared and furnished rooms
Cover for the items you own inside the property, such as carpets, curtains, white goods and the furniture in furnished rooms, plus communal contents in shared kitchens, lounges and hallways. Optional and sized to a declared sum insured, it matters more in an HMO where most rooms are let furnished.
Accidental and malicious tenant damage
Damage caused by tenants, whether accidental or deliberate, is a priced extension rated for the higher occupancy of an HMO. With more people sharing kitchens, bathrooms and communal areas, and more turnover between tenancies, this cover is worth holding on a house let room by room. Unoccupied room cover for void periods can be added too.
Legal expenses and employers' liability
Legal expenses cover meets the cost of eviction, possession and tenant disputes, which are more frequent across a house full of separate tenancies. Where you employ anyone on site, such as a cleaner or handyman, employers' liability of £5m is a legal requirement and can be added to the schedule.
What HMO insurance does not cover
An HMO policy is built around the number of rooms, the tenant profile, the licensing status, the rebuild value and how the property is run day to day. Once the property moves beyond any of those declared limits, or the fire and safety obligations are not met, the policy stops paying out. Knowing where the cover ends matters as much as knowing what it includes, particularly because licence breaches, void rooms and missing compliance certificates are common reasons an HMO claim is reduced or declined.
Wear, tear and gradual deterioration
Loss caused by ageing, general deterioration, poor upkeep, slow-acting causes, rot, damp and corrosion falls outside the cover. HMOs see heavier use of kitchens, bathrooms and communal areas, so landlords are expected to keep on top of repairs. Insurance covers sudden and unforeseen events, not the slow results of neglect.
Void rooms beyond the declared period
Cover on empty rooms is restricted once they stand vacant beyond the limit set on the policy, usually 30 to 60 days between tenancies. After that, perils such as escape of water, theft, malicious and accidental damage fall away on that room unless you tell your broker and arrange specific unoccupied cover.
Licence breaches and over-occupancy
Cover is rated on the licence you hold and the maximum occupancy it allows. Letting more tenants than the HMO licence permits, or running an unlicensed HMO where a licence is required, can leave a claim reduced or declined. Tell your broker the licence details and stay within the permitted number of occupants.
Missing fire, gas and electrical compliance
Insurers require working fire alarms and detection, fire doors and safe escape routes, a current Gas Safety Record and an EICR renewed at least every 5 years. If any of these are missing or out of date when a claim arises, particularly a fire claim, the insurer can decline it. Keep every certificate current and on file.
Illegal use by tenants
Loss or damage caused by illegal activity at the property, such as cannabis cultivation or drug production, is not covered. Letting rooms to a higher-risk tenant you have not disclosed sits outside the rating as well. Landlords should carry out reference and right-to-rent checks on every occupant and report any concerns promptly.
Tenants' own belongings
The policy covers the building and the contents you own as landlord, not the personal possessions each tenant keeps in their room. Laptops, phones, clothing and furniture that belong to your tenants are their responsibility to insure. It is worth reminding tenants to arrange their own contents cover when they move in.
How much is excluded differs widely from one insurer to the next and from one HMO to another. Always check the policy wording carefully on void limits, licensing conditions, fire safety compliance and tenant type before buying. For a closer look at cover between tenancies, see our unoccupied property insurance guide.
Types of HMO we cover
An HMO is rated around the number of rooms and tenants, the type of tenant living there and the property's licensing and fire-safety position. A student house let room by room, a professional flat share, a licensable large HMO and a bedsit conversion all count as houses in multiple occupation, but each carries its own underwriting picture. HMO cover is a specialist branch of landlord insurance, and picking the right policy starts with matching it to how the house is let.
Student HMOs
Houses let room by room to students sharing a kitchen and bathroom, usually on a fixed academic year. Cover is shaped around high turnover, term-time void rooms and the wear and malicious damage that come with a full student let.
Student HMO coverProfessional house shares
Working tenants on separate agreements sharing a house or flat, each with their own room. A steadier occupancy than a student let, but still rated as an HMO for the shared facilities, communal areas and property owners' liability involved.
House share coverShared houses and flat shares
A standard three or four tenant house or flat share forming two or more households and sharing a kitchen or bathroom. This is the most common HMO type, covering buildings, communal contents and the higher liability that shared living carries.
Shared house coverLarge licensable HMOs
Houses with 5 or more tenants forming two or more households, where a mandatory HMO licence applies in England and Wales. Insurers expect fire detection, fire doors and safe escape routes, and rate the higher occupancy and liability accordingly.
Large HMO coverBedsit-style HMOs
Properties split into self-contained or near self-contained bedsits, often with a lock on each room and some shared facilities. A higher-risk HMO type that many mainstream insurers will not write, so it sits with specialist landlord insurance brokers.
HMO landlord insuranceCo-living and purpose-built shared housing
Larger co-living schemes and purpose-built shared homes run for multiple occupants, often with extensive communal space and on-site staff. Cover reflects the scale of the building, the wider liability and any employers' liability where you employ cleaners or handymen.
Co-living coverEach HMO type carries its own underwriting profile, which is why specialist brokers price rooms, tenants and licensing properly rather than treating every share the same. Compare HMO insurance quotes to see how your rooms, tenant type and licensing status are rated.
What affects HMO insurance costs
HMO premiums vary more widely than a standard buy-to-let because they rate on rooms, tenants and fire safety rather than a single tenancy. A 3-bed professional share sits in a very different bracket to a licensable 7-bed student HMO in a city-centre postcode. Knowing which six factors drive the premium puts you in a stronger position to ask the right questions before you buy.
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Number of bedrooms and tenants
Occupancy is the starting point for any HMO quote. A 3-bed HMO runs around £380 a year, a 5-bed nearer £620 and a 7+ bed around £950, because more rooms and tenants mean more shared facilities, higher liability and more wear and tear for the insurer to price.
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Total room income and loss of rent
Loss of rent on an HMO is based on total room income, not a single tenancy figure, so it sits higher than a standard buy-to-let. Set the buildings sum insured at full rebuild cost and the room income accurately, because both feed straight into the premium and the payout after an insured event.
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Tenant type
Who shares the house matters. Professional sharers usually rate the keenest, students sit higher for turnover and term-time voids, and benefit or company lets sit in restricted-appetite territory that many mainstream insurers will not write. A specialist broker places each tenant profile with an insurer that accepts it.
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Location and postcode
Postcode drives a large part of the premium. London and the South East run 15% to 25% higher than the North East and Yorkshire, which are the most affordable for HMOs. Local flood zones, subsidence areas and crime rates all feed into rating on top of the base location.
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Claims history and void rooms
Previous escape of water, fire, theft or malicious damage claims load the premium and can bring higher excesses or peril exclusions. Void rooms between tenancies matter too: most policies limit cover once a room sits empty beyond 30 to 60 days unless you tell your insurer.
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Fire safety, construction and licensing
Working fire alarms, fire doors and safe escape routes, a current Gas Safety Record and an EICR all reduce the premium. Non-standard construction lifts it. Holding the right HMO licence and staying within its maximum occupancy keeps cover valid, as an unlicensed HMO can invalidate the policy.
Every HMO is rated on its own rooms, tenants, licensing and fire safety setup. Compare HMO insurance quotes to see how your specific rooms, tenant type and licensing status shape the premium across our specialist broker panel.
How much does HMO insurance cost in the UK?
HMO premiums move mainly with the number of bedrooms and tenants. The table below shows indicative annual averages for typical buildings cover across the most common house in multiple occupation sizes.
| HMO size | Typical premium | Typical range |
|---|---|---|
| 3-bed HMO | £380 | £280 to £520 |
| 4-bed HMO | £470 | £350 to £620 |
| 5-bed HMO Most common | £620 | £450 to £780 |
| 6-bed HMO | £740 | £550 to £950 |
| 7+ bed HMO | £950 | £700 to £1,250+ |
London and the South East run 15% to 25% higher. Figures are illustrative and not a quotation.
How HMO insurance comparison works
Comparing HMO cover takes three short steps. Tell us about the house, get matched with specialist brokers on our FCA-authorised panel, then compare the quotes and get covered.
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Tell us about your HMO
HMO cover is rated on how the house is let, so start with the details that set the risk: bedroom and tenant numbers, licence type and maximum occupancy, fire alarms and escape routes, rebuild cost and safety records.
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Get matched with specialist HMO brokers
Your details go to brokers on our FCA-authorised panel who underwrite houses in multiple occupation every day, covering small HMOs, large licensable HMOs, co-living, student shares, professional lets and portfolios.
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Compare quotes and get covered
Weigh the quotes on cover and price, from liability limits and loss of rent to buildings at full rebuild cost and tenant damage, then arrange the policy that fits the house. One form, multiple HMO insurance quotes.
HMO licensing and insurance requirements
Running a house in multiple occupation brings licensing and safety duties that a single-let landlord never faces, and your insurer expects every one of them to be met. Licence status, fire precautions, gas and electrical certification and occupancy limits all feed into whether a claim is paid. Open any section below to see the eight compliance areas HMO landlords ask about most, and how each one affects your cover.
Mandatory HMO licensing: when a licence is required
A mandatory HMO licence is required in England and Wales for any property let to 5 or more tenants forming 2 or more separate households who share a kitchen, bathroom or other facilities. In Scotland the rules go further, and every HMO needs a licence regardless of size. The licence is issued by the local council, usually runs for 5 years and is renewable.
Your licence sets the terms you agree to run the property under, from the maximum number of occupants to the safety standards you must keep in place. Insurers treat the licence as evidence the HMO is being run lawfully, so hold a valid one before cover starts. See our HMO landlord insurance guide for specialist cover.
Additional and selective licensing by councils
Beyond mandatory licensing, councils can run their own schemes in designated areas. Additional licensing extends the requirement to smaller HMOs that fall below the mandatory threshold, so a property with 3 or 4 sharers may still need a licence depending on the local scheme. Selective licensing goes wider again and can apply to every private rented home in a given area, not just HMOs.
These schemes vary from one council to the next and change over time, so check the position with your local authority before you let. Renewal fees commonly run from a few hundred pounds to £1,000 or more. Letting without a licence the area requires puts you in breach and can leave a claim exposed.
Fire safety: alarms, fire doors and escape routes
Fire risk is the single biggest reason HMOs are underwritten separately. Councils expect mains-wired, interlinked smoke alarms, heat detectors in kitchens, fire doors on habitable rooms and a clear, protected escape route from every part of the building. A fire risk assessment is normally required, and larger HMOs may need emergency lighting and fire-fighting equipment.
These measures are a condition of most HMO policies, not a nice-to-have. If a fire claim arises and the alarms were not working, the fire doors had been removed or the escape route was blocked, the insurer can reduce or refuse the settlement. Keep dated records of testing and servicing to support any claim.
Gas Safety Record and annual gas checks
Every gas appliance, flue and pipe in an HMO must be checked each year by a Gas Safe registered engineer, and you must hold a current Gas Safety Record (the CP12 certificate) for the property. Tenants are entitled to a copy, and councils can ask to see it as part of licensing enforcement. With more occupants and shared cooking facilities, gas risk in an HMO is higher than in a single-family let.
A lapsed or missing gas certificate is one of the fastest ways to fall foul of both the council and your insurer. If a gas incident occurs and no valid record was in place, cover can be challenged. Keep certificates on file and diarise the renewal well ahead of expiry. See our HMO landlord insurance guide.
EICR and electrical safety every 5 years
The fixed wiring in an HMO must be inspected and tested by a qualified electrician at least every 5 years, and you must hold a satisfactory Electrical Installation Condition Report (EICR). Any faults rated C1 or C2 have to be put right within 28 days. Portable appliances you supply, such as kitchen white goods, should also be tested and kept in safe working order.
An HMO carries more sockets, appliances and heavier daily use than a single-family home, so electrical faults are a real fire risk. Insurers expect a current EICR as a policy condition. If the report has expired or known faults were left unfixed, an electrical fire claim can be reduced or turned down.
Maximum occupancy and minimum room sizes
Your HMO licence sets the maximum number of occupants and the number of households the property may hold. National minimum room sizes also apply, with a floor area of 6.51 square metres for one adult and 10.22 square metres for two, and rooms below the standard cannot count as sleeping accommodation. Overcrowding beyond the licensed figure is a criminal offence.
Insurers rate an HMO on the declared number of rooms and tenants, so packing in more occupants than the licence allows both breaches your conditions and misrepresents the risk. Either can leave a claim exposed. Keep occupancy within the licensed limit and tell your insurer if the room count changes.
HMO management and amenity standards
The HMO Management Regulations place ongoing duties on the landlord or manager, covering the upkeep of communal areas, adequate kitchen and bathroom facilities for the number of occupants, working heating and hot water, safe gas and electrical supplies and proper waste arrangements. Your name and contact details must be displayed in the property.
Councils inspect against these amenity standards and can issue improvement notices where they are not met. A well-run, well-maintained HMO also presents a lower risk to insurers, so keeping the building in good order and logging repairs supports both compliance and any future claim.
Unlicensed HMOs and breaching your conditions
Running an HMO that should be licensed but is not is a serious matter. Councils can issue unlimited fines and rent repayment orders that force you to hand back up to 12 months of rent, and tenants can pursue those orders themselves. On the insurance side, an unlicensed HMO or one run in breach of its licence conditions can leave a claim challenged or refused.
The same applies if you let the safety obligations slip, from an expired gas certificate to disabled fire alarms or overcrowding. Insurers rely on these conditions being met, and breaching them can invalidate the cover you have paid for. Getting the licensing and compliance right first is what keeps the policy responding when you need it.
Licensing and compliance sit at the heart of how an HMO is underwritten. Compare HMO insurance quotes to see how your property, licence status, occupancy and fire precautions are rated across the MyMoneyComparison.com broker panel.
Who needs HMO insurance?
Any landlord letting a house in multiple occupation needs specialist HMO cover, but the policy looks very different depending on whether you run a student let, a professional house share, a first HMO or a portfolio of licensed properties. A standard buy-to-let or home policy will not cover an HMO and can void at claim stage, because more tenants and shared facilities carry higher liability and communal areas to insure.
Student-HMO landlords
Landlords letting rooms to students on separate agreements, often near a university. Cover is rated for higher occupancy and turnover, with loss of rent based on total room income and communal areas insured alongside furnished rooms.
First-time HMO landlords
Landlords taking on a first house share and learning what an HMO policy must cover. Getting cover right from day one keeps buildings, property owners' liability and loss of rent valid and matches the fire-safety conditions insurers require.
Portfolio HMO landlords
Landlords holding several licensed HMOs who want one schedule and a single renewal date. Portfolio cover handles mixed room counts, tenant types and locations under one arrangement rather than separate policies bought piecemeal.
Professional house-share landlords
Landlords letting rooms to working tenants on individual agreements who share a kitchen or bathroom. Cover reflects the shared facilities, communal furniture and higher liability that come with several unrelated households under one roof.
Co-living operators
Operators running large licensed HMOs with shared lounges, kitchens and on-site services. Cover needs to reflect high occupancy, extensive communal areas and property owners' liability of £10m, often with employers' liability where staff work on site.
Landlords converting a property into an HMO
Landlords turning a single let into a house in multiple occupation and moving up from buy-to-let cover. As rooms, tenants and licensing obligations change, the policy has to be re-rated so buildings, liability and loss of rent match the new use.
Whatever the room count and tenant type, cover should reflect how the HMO is actually let. Compare HMO insurance quotes to match the policy to your property, tenants and licensing status.
HMO insurance vs standard landlord insurance
HMO cover is a specialist branch of landlord insurance, and a standard buy-to-let policy is not a substitute for it. A single-let policy is built around one household renting the whole property, whereas a house in multiple occupation has several tenants, shared facilities, licensing duties and higher liability. Insuring an HMO on a standard single-let policy is one of the most common reasons an HMO claim is reduced or declined.
| Comparison | HMO insurance House in multiple occupation | Standard landlord insurance Single buy-to-let let |
|---|---|---|
| Who lives in the property | 3 or more tenants forming 2 or more separate households who share a kitchen or bathroom. Often students, sharers or working professionals on room-by-room tenancies | A single household on one tenancy, typically a couple or family renting the whole property as one let with shared, not separate, occupation |
| Occupancy and shared facilities | Rated on the number of rooms, tenants and shared facilities. Communal kitchens, bathrooms and living areas are all part of the risk the insurer prices for | Rated for one household with sole use of the whole property. It makes no allowance for multiple occupants or shared communal facilities |
| Loss of rent | Based on the total income from all the let rooms, so a fire or flood that empties the house is covered room by room, not as a single figure | Based on the single tenancy figure for the whole property, with no concept of separate room incomes across several tenants |
| Liability exposure | Higher exposure from more tenants and shared areas. Property owners' liability of at least £5m is standard for HMOs, with £10m often taken on larger houses | Rated for one household and lower footfall through the property. Cover is commonly £2m to £5m and does not reflect HMO occupancy |
| Licensing and compliance | Priced knowing the property is licensed and must meet HMO fire, gas and electrical standards. Cover assumes those licence conditions are being met | Makes no allowance for HMO licensing or the extra fire and safety duties, so it will not respond to a house in multiple occupation |
| Damage and communal areas | Higher turnover and shared living raise the risk of accidental and malicious damage, and cover is rated for that higher occupancy and communal wear | Priced for one household with lower turnover, so the damage rating does not reflect several tenants sharing the property |
| If you use the wrong product | Cover responds correctly for a house in multiple occupation, the claim is paid, and the policy matches how the property is actually let | Claim can be reduced or declined entirely. Insuring an HMO on a standard single-let policy is a material misrepresentation that can void the cover |
Important: Cover detail shown is indicative of how UK HMO and landlord policies are typically structured. It is illustrative only and does not constitute a quotation or offer of insurance. Specific policy wording, sums insured, indemnity periods and exclusions vary by insurer and individual circumstances. MyMoneyComparison.com Ltd is authorised and regulated by the Financial Conduct Authority, FCA registration number 916241.
If you run a house in multiple occupation, a standard single-let policy will not cover it correctly. Compare HMO insurance quotes to make sure the cover matches the way the property is actually let.
Specialist HMO Insurance
Specialist HMO insurance comparison since 2013
Since 2013, MyMoneyComparison.com has helped UK HMO landlords find specialist cover through FCA-authorised brokers, from a first 3-bed house share to large licensed HMOs and portfolios. HMO cover is a specialist branch of landlord insurance, rated on rooms and tenants, tenant type, licensing status and fire precautions, with communal areas, property owners' liability and loss of rent on total room income built into the policy. A standard buy-to-let policy will not cover a house in multiple occupation, so our broker panel underwrites this risk on its own terms.
Compare HMO insurance quotes with some of the UK's top providers, including:
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Everything You Need to Know
Detailed answers to help you understand more about HMO insurance.
What is an HMO?
An HMO (House in Multiple Occupation) is a property rented to 3 or more tenants who form 2 or more separate households and share facilities such as a kitchen or bathroom. A large HMO with 5 or more tenants needs a mandatory council licence in England and Wales, and in Scotland every HMO must be licensed.
Why do I need specialist HMO insurance?
A standard buy-to-let or home policy will not cover a house in multiple occupation and can be voided at claim stage. HMO insurance is rated for higher occupancy, shared facilities, communal areas and the fire-safety and licensing obligations that come with letting individual rooms.
How much does HMO insurance cost in the UK?
As a guide, a 3-bed HMO costs around £380 a year, a 5-bed around £620 and a 7+ bed £950 or more, with London and the South East running 15% to 25% higher. HMO cover costs more than a single buy-to-let on the same street because of the added occupancy and liability.
How much liability cover does an HMO need?
Property owners’ (public) liability of £5m is the standard minimum for HMOs, with £10m often recommended for larger houses. If you employ anyone on site, such as a cleaner or handyman, you also need employers’ liability of £5m by law.
Does HMO insurance cover loss of rent?
Yes, but it should be set on your total room income rather than a single tenancy figure. If an insured event such as a fire makes the property uninhabitable, loss of rent cover pays the lost room income while repairs are carried out, up to a set limit.
Do I need an HMO licence?
You need a mandatory licence if your HMO has 5 or more tenants forming 2 or more households in England and Wales. Scotland licenses all HMOs, and councils can add Additional or Selective licensing for smaller properties. Letting an unlicensed HMO risks fines and can invalidate your insurance.
What fire safety do insurers require for an HMO?
HMO insurers usually require interlinked fire alarms, fire doors, clear escape routes and, where relevant, emergency lighting, in line with your fire risk assessment. Cover can be reduced or declined if the fire precautions set out on your policy or licence are not in place.
Does HMO insurance cover student tenants?
Yes. Student HMOs are a core part of the market. Insurers rate student lets slightly higher because of turnover and void periods over summer, but specialist HMO brokers write them routinely. Declaring the tenant type accurately keeps the cover valid.
Are communal areas and my furniture covered?
Buildings cover includes communal areas such as shared kitchens, bathrooms, hallways and stairs. Landlord contents cover can be added for the furniture, white goods and furnishings you provide in communal spaces and furnished rooms. Tenants insure their own belongings.
What happens if a room is empty between tenancies?
Most HMO policies allow rooms to be void for a set period, but a property left largely empty for longer, for example over a student summer, may need unoccupied cover. Tell your insurer about extended voids so a later claim is not affected.
Is malicious or accidental damage by tenants covered?
It can be added, and it is worth having on an HMO because higher occupancy means more wear and a greater chance of damage. Cover is for damage beyond normal wear and tear and usually needs an inventory and tenant referencing to support a claim.
Why use a specialist HMO broker instead of a comparison site?
Mainstream comparison sites are built around single-family home and buy-to-let policies and cannot handle rooms, licensing, communal areas or higher liability. A specialist HMO broker rates the risk properly and makes sure the cover responds at claim time. MyMoneyComparison.com connects you with FCA-authorised specialist brokers.
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