House in Multiple Occupation (HMO) Insurance

In April 2006 mandatory HMO licensing came in to place across England and the main intention was to raise the standard of accommodation in HMO’s.

House in Multiple Occupation (HMO) is a commonly used term in property letting, but very few landlords understand what it really means and whether it applies to their rental property.

If you let a rental property, like the ones described below, it will be an HMO:

  1. An entire flat or house which you let to three or more unrelated tenants.
  2. A house which has been converted into bedsits and is let to 3 or more unrelated tenants who share kitchen, bathroom or toilet facilities or separate flats (which include studio flats) let singly where the tenants share some facilities.
  3. A building which is entirely converted into flats which doesn’t meet the current regulations (the 1991 Building Regulations) and where a third of the flats are let on short-term tenancies.

For the rental property to be a HMO the tenants must use it as their only, or main, residence and the property should be used solely, or mainly, to accommodate tenants.

If your property is let to students or migrant workers, it will be treated as their only, or main, residence.

If you are unsure if your property is a HMO, then you should contact your local authority for guidance.

As a HMO Landlord you will find that some insurers do not understand the risk and as a result some will not even offer you a quotation or will require increased premiums even though some of the risks are no greater than a single occupancy property.

At Total Landlord Insurance we understand that not all HMO’s are the same and as a result we have negotiated preferential rates depending on how the facilities are shared, for example where the kitchen facilities are shared by all occupants and there is no cooking in the rooms.

If you are interested in discussing your HMO Insurance requirements then please complete our call back form or call us free on 0800 63 43 880.


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