HMO Property Insurance
- Insurance that works for you
- Protect your multi-let property against damage, liability, and rental income loss
- Flexible payment plans helping you spread the cost of your insurance
- Fast, straightforward claims handling when you need it most
- Why Choose CoverMy?
More tenants, more risk— get HMO insurance that’s built to cover it all with CoverMy
More tenants bring more risk — and standard insurance won’t cover it all. CoverMy HMO Insurance protects multi-let properties, handling multiple leases, higher foot traffic, and the occasional chaos. Stay covered and keep your property running smoothly!
- CoverMy way
At CoverMy, we keep it simple —
with expert support every step of the way.
- UK based, Experienced and dedicated call handlers.
- Round the clock claims helpline, 24/7, 365 days a year – here when it matter most.
- Real time dynamic pricing that guarantees you our best available rate, every time.
- With over 40 years of knowledge and experience, trust the team that’s been around, and proven.
Your Policy At A Glance
Building Cover
Protection for the property structure against fire, flood, storm, and accidental damage
Contents Cover
Covers furniture, fixtures, and communal equipment provided by the landlord
Liability Cover
Protection if tenants or visitors suffer injury or property damage on the premises
* Not limited to the covers shown
Your Questions Answered
What is HMO property insurance?
HMO property insurance is specialist cover designed for properties rented to multiple, unrelated tenants who share facilities such as kitchens or bathrooms.
What is HMO property insurance?
It’s suitable for landlords who own or manage HMOs, including licensed and unlicensed HMOs, where tenants rent individual rooms rather than the whole property.
What does HMO insurance typically cover?
It usually covers the building, communal areas, landlord contents, property owners’ liability, and risks such as fire, flood, storm, vandalism, and escape of water.
Does HMO insurance include liability cover?
Yes. Most policies include property owners’ liability cover, protecting landlords against claims if a tenant or visitor is injured in communal areas.
Is HMO insurance different from standard landlord insurance?
Yes. HMOs carry higher risk due to multiple occupants, and standard landlord insurance often excludes this type of letting.
Does HMO insurance cover loss of rent?
Many policies can include loss of rent or alternative accommodation cover if the property becomes uninhabitable due to an insured event.
Ready to get covered?
Get a quick quote online or speak to our team — we’ll help you find the right policy, fast.
