HMO Insurance Comparison

Compare Cheap HMO Landlord Insurance

  • Find cheap HMO landlord insurance in a matter of minutes
  • Compare multiple policies with one short form
  • Top deals from many of the UK’s best insurance providers

Why use


Compare quotes from multiple UK insurance providers

Increase your odds of finding the best insurance quotes by comparing policies from a wide range of providers side-by-side.


One simple form to complete

One simple online form is all it takes to compare hundreds of different policies.


Save time and money

Comparing quotes online is fast and easy, and could save you hundreds of pounds.


Over three million people use the price comparison services

They’re saving money on their insurance – you can too.



All of the insurance panel members are FCA Authorised.


An unbiased price comparison service

We are an independent business and aren’t owned by any insurance company.

Compare HMO Insurance

If you’re a landlord and rent a house in multiple occupancy (HMO) then you’ll need special insurance to cover this. With you can quickly and easily compare HMO insurance quotes to find great deals.

What does HMO stand for?

“HMO” stands for house in multiple occupancy and it means that several different households share facilities and communal areas in the same property. Officially, an HMO is a property rented by a least three individuals who are not related to or in a relationship with each other. In other words, they’re from different households.

Some councils require landlords to have an HMO licence, so make sure you check before renting your property this way.

What is HMO landlord insurance?

HMO landlord insurance is a specialist insurance for landlords who rent property in multiple occupation.

Do I need special insurance for HMO?

Landlord insurance isn’t a legal requirement, although if you have a buy-to-let mortgage it can sometimes be a condition of your lender agreement. Even if it’s not a requirement, it’s still generally a good idea to have cover for any accidents, damage, or legal fees. HMO insurance is specially designed for the risks associated with HMO lets and could save you money if something goes wrong.

What is HMO landlord insurance?

As with most types of insurance, you can combine different types of cover to meet your needs. These are some of the most common.

  • HMO buildings and contents insurance. This protects your rental property from any structural damage and covers damage caused to furniture or white goods from flooding or fire.
  • Landlord liability insurance. This covers any legal costs if a person in your property claims for compensation.
  • Tenant default or loss of rent insurance. You’ll be covered if renters fail to pay, or your accommodation becomes uninhabitable and you lose income.
  • Rehousing cover. This provides cover if you have to rehome tenants because your property is temporarily uninhabitable.
How can I find cheap HMO insurance?

One of the best ways to find cheap HMO insurance is to compare HMO insurance quotes from multiple providers. Using an unbiased service, like, makes this quick and easy as we do all the hard work for you.

You can also reduce the cost of your premium by increasing your excess, improving the security of your property and building up a good claims history by avoiding making multiple small claims.

Compare HMO insurance quotes with offers a free, no-fuss HMO insurance comparison service. Simply fill in a quick online form and we’ll take care of the rest. We’ll search our database of trusted UK providers and collect HMO insurance quotes for you. That way you can quickly compare HMO insurance quotes and choose a deal that’s right for you.

Need other types of landlord insurance? Whether it’s a holiday, student or DSS property you let out, can help you compare providers and find great deals on landlord insurance.