As much as we like to keep things simple, some properties, some tenants, and some landlords, are more complicated to insure.
If your property has a thatched roof, is prefabricated, is prone to flooding or is listed as being of historical interest - it can be harder to find the right insurance. We’re here to help. We pride ourselves in being able to cover the un-coverable. Give us a try.
Not all tenants are created equal. If you’re renting a property out to your mum, it’s probably at less risk than it would be if you rented it to a group of students. Having said that, we also believe that students - and lots of other people - can make fantastic tenants so we want to help you rent out your properties to them.
As well as professional/working tenants, we can provide insurance for properties rented out to all sorts of people - including asylum seekers, families on benefits, students, retired people and housing association tenants.
Have you struggled to get landlord insurance because of criminal convictions, bankruptcy, or other personal circumstances? We believe in helping decent landlords find decent insurance, and we’ll help you if we can.
Shared houses and Houses in Multiple Occupation
If you’ve got several tenants living in a property, you need to let us know, so we can make sure you’ve got the right level of cover.
If you house is officially an HMO – short for Houses in Multiple Occupation – you might need to an HMO licence from your local council.
HMOs can be a great way for landlords to maximise the rental income from a suitable property - and we can help you make sure you’ve got the right insurance.
What is an HMO?
A House in Multiple Occupation, or HMO, is a property in which is rented by three or more tenants who aren’t part of the same household (or family), but share a toilet, bathroom or kitchen.
Homes are classed as a ‘large HMO’ if they are at least three stories high, contain at least five tenants from more than one household, and have shared facilities.
Large HMOs need a licence from the local authority – and failure to do this could result in a fine amounting to 12 months’ rent.
If even some of these criteria apply to your rental property, it’s always best to check with your Local Authority whether they’ll need you to get a licence. HMO licences are valid for five years at a time, and you’ll require a separate licence for each HMO. Licence fees are set by each council and vary from area to area.
When they consider applications, councils look at different criteria - for instance whether the property is large enough for all the occupants, and well managed. You’ll need to have up to date gas safety certificates, install and maintain smoke alarms, and provide safety certificates for all appliances.
More advice on the standards required for an HMO licence can be found in the Licensing of Houses in Multiple Occupation in England.