Landlord
Insurance

Landlord Insurance

Insurance of Bedsits and HMOs - Homes of multiple occupation

We recommend you request a call-back to discuss your needs for insuring your bedsit/ HMO

As insurance brokers, we have various schemes available to cover bedsits, most not available online, Select the 'Houses' drop-down menu and choose an appropriate field - you will be taken to a form to request a call-back. We will request the information necessary for us to advise you of the best option we have available.

What we can offer to cover Bedsits and HMOs

Landlord insurance for bedsits and HMOs can be substantially more expensive than single tenants.

Although not needed for insurance, you may need to have a property licence. You may be aware that a property licence is required for landlords owning properties where more than two householders live together. You can read about the property licence laws online. 

The legislation brought into effect by the government from April 6th 2006 meant that any landlord which lets a property which is considered a house in multiple occupation now needs to have a property licence under certain circumstances. A household is generally considered as members of the same family which live together or married couples. A house of multiple occupations is generally any property which houses three or more 'households' which share facilities such as the kitchen, toilet or bathroom.

There are different types of bedsits, depending on the type of tenant therein and landlord insurance companies look at them in different ways.

• Professional bedsits are houses occupied by multiple people but they all have tenancy agreements with the landlord. These are the easiest and cheapest to insure, but will be at a premium.

• Students: We have several landlord schemes specifically targeted at property occupied by students.

• DSS: These are the most expensive type of property for landlords to insure, individuals and families are housed by Social Services and the landlord has little, if any, control over the type or nature of the tenants or their period of occupancy.

Quote and Buy Online - immediate cover.

Multi Property Landlord Insurance

We can quote online for multiple properties - including shops/ offices and single-tenure commercial as well as residential properties. Maximum sum insured on one site is £3,000,000 and total sums insured up to £10,000,000. Higher sums will be looked at via other schemes we have available.

Landlord Insurance is one of many of our products. Above all we aim to help our customers in all aspects of insurance.

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