HMO Insurance
Public sector and social housing experts, taking care of your House In Multiple Occupation (HMO) risks.
What’s Covered?
A HMO policy typically covers you for the following risks (but can vary on a case-by-case basis):
- Property damage to building structure caused by tenants, accidents or natural events.
- Contents damage to furniture, appliances, or items in your communal areas.
- Liability claims arising from tenant injuries or accidents on the property.
- Loss of rental income if the property is unliveable after an insured event.
- Unoccupied property risks associated with vacant properties, such as vandalism or theft.
- Accidental damage caused by tenants.
- Legal expenses related to legal disputes, such as recovering unpaid rent or eviction.
Why Miller
Policies built around first-hand sector insight
Our team brings decades of experience in public sector and social housing risk — including time spent directly within local government, where we managed complex risk programmes from the inside.
From regulatory scrutiny and licensing requirements to tenant safety and property standards, we understand the operational pressures you face. And our approach to your insurance is more pragmatic.
The right relationships for the right solutions
We’ve hand-picked and built strong partnerships with insurers who look to support HMO portfolios. It means we can have constructive conversations with them around risk quality, management standards and claims history – helping secure terms for you that reflect the strength of your portfolio.
Connected around doing more for your portfolio
When you speak to one team at Miller, you get all of us. We share ideas and work closely with our Real Estate, Construction and Liability teams to make sure your insurances are all working hard for you and giving you the protection and peace of mind that you need.
Meet The Team
Gary Newlyn
Director - Head of Social Housing & Public Sector +44 (0) 20 70 312 356 [email protected] Read more
Contact Us
-
What is a House in Multiple Occupation (HMO)?
A HMO is a property rented out to three or more tenants who share communal areas, such as kitchens and bathrooms, but they live independently of one another. Some examples would be student housing or flat shares.
-
Can I add rent guarantee insurance to my HMO policy?
Yes, many insurers offer that option as an add on. This cover protects landlords against loss of income if tenants fail to pay rent.
-
Can I get cover for multiple HMO properties under one policy?
Yes, and many landlords choose to do it that way. It’s simpler for you to manage everything under one policy and it’s often more cost-effective.
-
Do you cover properties converted to HMOs?
Yes, we can arrange bespoke policies for conversions. Insurers will need to see proof the property meets legal and safety standards for HMOs.
-
Why should I use a broker for HMO insurance cover?
When you buy direct without a broker’s help, there’s a high chance you’ll get a standard product. But HMOs are all different and rarely fit into a ‘standard’. We work with insurers on your behalf to find a policy that fits – one that’s priced right, keeps you compliant and, most importantly, provides the right level of coverage for your specific HMO.
Related Specialisms
Latest Insights
Winter warnings: protecting your property this season
Navigating energy performance certificate reform: challenges and opportunities for commercial landlords
This article discusses upcoming changes to EPC regulations in England and Wales, challenges from stricter energy standards, available exemptions, and compliance advice.
Read more
The dangers of unoccupied properties and key tips for owners on keeping their buildings safe
In this article, we discuss some of the risks associated with unoccupied properties and outline key mitigation tips for owners on how to keep their buildings safe.
Read more