Quote request

HMO insurance quote

Houses in multiple occupation need a specialist insurer. We cover HMOs with up to 12 tenants — tell us about the property, the rooms and the tenants.

Prefer to talk? 03330 50 2088 Read about this cover

About you

Name

Phone

Title

Date of birth (main proposer)

Correspondence address

Town / city

Postcode

Country of residence

Occupation or business description

Years of experience as a property owner / landlord

Current insurer and renewal date (if any) (optional)

Preferred contact method

Proposer details

Proposer type

Number of properties to be insured

Is the proposer a property developer?

Does the proposer habitually reside in England, Scotland, Northern Ireland, Wales or Isle of Man?

Policy inception date

Is/are the proposer(s) considered vulnerable?

Personal history

Has the proposer or any director or partner (in the business or any other name under which they have traded) been convicted of, or is in the course of being charged with, any criminal offence (excluding driving offences and spent convictions)?

Has the proposer or any director or partner been declared bankrupt or been a director of any company that went into liquidation?

Has the proposer or any director or partner ever had any insurance declined, refused or cancelled by an insurer?

Do you, any director, trustee or proposed insured have any adverse credit history or county court judgments (CCJs)?

About the property

Briefly describe the property or properties to be insured

Property details

Number of separate lettings/rooms

Number of tenants

Is the HMO licensed?

Risk postcode

Risk address line 1

Risk address line 2 (optional)

Risk town

Risk county (optional)

Year of build

Is the property a listed building?

Cover required

Buildings sum insured (rebuild cost) (£)

Is accidental damage cover required for buildings?

Contents sum insured (£)

Is accidental damage cover required for contents?

Occupancy details

Tenant type

Property construction

What is the property type?

Number of storeys including any basement, loft or attic accommodation

Is any part of the property flat roofed?

Is the building in a good state of repair? (secure, structurally sound, weatherproof, no evidence of dry rot, rising damp or infestation, and no damage to the roof or chimney)

Is the property heated solely by electricity, and/or mains gas, and/or solid fuel and/or oil fired central heating?

Is the property built solely with brick, stone or concrete walls (not pre-fabricated concrete), or timber framed with brick, stone or concrete outer walls only, and a slate, tile or concrete roof (other than flat roof sections)?

The premises

Fire safety measures (optional)

Has the property ever been flooded and/or is it located within 10 metres of the sea, river, watercourse, lake, reservoir, canal or dam?

Is the property within 100 metres of a cliff, quarry or other excavation?

Is the property having any structural alterations, or major renovation work affecting load bearing walls or the roof, or are any such works being planned?

Is the property currently having any other building work undertaken, or planned within the next 12 months, that will cost more than £25,000 (including redecoration)?

Has the property experienced any existing or previous stepped/diagonal cracking, subsidence, ground heave, landslip, movement or underpinning?

Is any part of the property ever used for commercial business (other than as a second home or holiday let), whether to be insured on this policy or not?

Material facts and previous losses

Do you need to provide any other material facts in relation to this proposal or property? (If yes, please give details in the box at the end)

Have you suffered any loss or incurred any liability, whether insured or not, during the last 3 years as a result of the risks proposed (at this or any other premises), or had any claims made against you?

Anything else

Anything else we should know? (optional)

Prices shown on this page are indicative only. We'll only use your details to respond to your enquiry.

Indicative pricing

HMO premiums reflect occupancy levels and tenant type as well as rebuild cost. Cover is available for HMOs with up to 12 tenants. Typical starting points:

Small HMO (3–5 tenants)
from £26 per month
Up to £250,000 rebuild cost, professional sharers.
Mid-size HMO (6–9 tenants)
from £44 per month
Includes communal contents and malicious damage cover.
Large HMO (10–12 tenants)
from £78 per month
Student and mixed tenancies considered, higher liability limits.

Any guide prices are based on typical risks. Your premium and applicable Insurance Premium Tax are confirmed once an insurer has reviewed your details.

What affects your price

Number of tenants — cover available for up to 12
Number of separate lettings and shared facilities
Whether the HMO is licensed and up to date
Tenant type — professional, student or benefit-supported
Fire safety measures and alarm type
Rebuild cost and property age

Cover to discuss

Availability, limits, exclusions and conditions depend on the insurer's terms. These items are not confirmation of cover.

Buildings cover for licensed and unlicensed HMOs
Cover for HMOs with up to 12 tenants
Landlord's contents for communal and furnished rooms
Property owner's liability across all tenancies
Loss of rent following insured damage
Adverse credit history and criminal convictions considered on a case-by-case basis