Find a specialist HMO insurance broker
HMOs are rated on occupancy type, licensing, tenant mix and fire safety — detail that standard landlord policies routinely miss. CoverBroker matches you with a broker who places HMO risks every day.
Free, no obligation — you don't pay a fee to be matched.
How we match your HMO risk
The right HMO insurance broker depends on your property, tenants and licensing. When you submit an enquiry we ask about these, then match on the criteria below.
Property and occupancy
Bedsits, shared houses and converted flats — brokers who understand how room count and layout drive HMO rating.
Tenant mix
Students, professionals, DSS or supported living — the right broker knows which markets accept your tenants fairly.
Licensing and fire safety
Underwriters load heavily on licensing status, fire doors and alarms. A specialist presents yours accurately.
Loss of rent and liability
Brokers who build in loss of rent, property owners' liability and legal expenses sized to a multi-let.
Your documents are safe
Upload your current HMO policy schedule, statement of fact, licence or renewal invitation. Here is exactly how they are handled.
Secure storage
Your insurance documents are encrypted at rest and shared only with your matched broker.
GDPR-ready
UK & EU data protection. You can delete your documents at any time.
No obligation
Free to use. If the broker cannot improve on your current terms, you simply stay where you are.
HMO insurance questions
- What does HMO insurance cover?
- A typical HMO policy combines buildings, landlord contents, property owners' liability, loss of rent and legal expenses. Because multiple unrelated tenants share the property, insurers rate HMOs differently from standard buy-to-lets — a specialist broker makes sure your occupancy is declared and priced correctly.
- Why do I need specialist insurance for an HMO?
- Standard landlord policies often exclude houses in multiple occupation or restrict the number of tenants. If your policy doesn't reflect the true occupancy, a claim can be declined. An HMO insurance broker places your risk with insurers that actively want multi-let business.
- Does licensing affect my HMO insurance?
- Yes. Insurers will ask whether your HMO is licensed (mandatory, additional or selective schemes), and about fire doors, alarms and emergency lighting. A broker who knows the HMO market presents this properly so you aren't penalised for compliant, well-run properties.
- Can students or DSS tenants be covered?
- Yes — but not every insurer accepts every tenant type. A specialist broker knows which markets take students, housing-benefit tenants or supported-living arrangements without excessive loadings.
- What documents help an HMO insurance broker quote accurately?
- Your current policy schedule, statement of fact, HMO licence and renewal invitation. A claims history summary helps too. Upload whatever you have — your matched broker will tell you if anything else is needed.
- Is the introduction and AI review free?
- Yes. The introduction to a specialist HMO insurance broker and the optional AI review of your current policy are both free. If a broker takes your enquiry forward, they may pay us a referral fee.
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Get an HMO insurance broker quoting on your renewal
Upload your schedule or statement of fact and we'll introduce you to a specialist HMO insurance broker — with an optional free AI review of your current cover.