HMO Specialist Insurance
Houses in Multiple Occupation (HMO) management is a high-stakes balancing act. From evolving regulations and licensing to the increased wear and tear of multiple occupants, your risks are significantly higher than a standard buy-to-let.
Why HMO Landlords Come to Us
HMOs are not straightforward to insure. Higher tenant turnover, shared communal spaces, licensing requirements and lender covenants all create risks that a standard landlord policy may not pick up. We specialise in arranging cover that reflects how your property actually works, working across a broad range of insurers to find the right fit for you.
What Your Policy Could Include
- Buildings cover at the correct rebuild value
- Loss of rent while your property is uninhabitable
- Property owners liability
- Malicious damage by tenants
- Legal expenses support
- Flood and escape of water cover
- Communal contents and fixtures
- Non-conventional and specialist risks
Every policy we arrange is tailored to your property and your circumstances. We are not tied to a single insurer or fixed panel, so we work in your interest.
Are You Insured for the Right Amount?
Underinsurance is one of the most common problems we see among HMO landlords, particularly where the sum insured has not kept pace with rising rebuild costs. If your buildings are not insured for the correct amount, you may face a shortfall at the point of a claim.
We have partnered with Benchmark BCH, a RICS-regulated firm, who can assess the rebuild cost of your property for a reasonable fee, giving you confidence that your sums insured are accurate.
- £32,000 average household flood claim in 2020 (Source: ABI)
- 74,900 claims made nationwide following Storms Ciara and Dennis
About Brunel Insurance for People
We are an independent broker specialising in property owners insurance. We work with private landlords, HMO portfolio holders, buy-to-let investors, developers, and managing agents across the UK.
Because we are independent, we are free to place your cover with whichever insurer best suits your needs. We take the time to understand your portfolio and work with you on an ongoing basis, not just at renewal.
