HMO Insurance - Where to start?

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    HMO Insurance - Where to start?


    It's my first HMO and I haven't a clue what insurance to get or who to go with.

    I am also concerned by if for example someone injures themselves on the property. I.e fell down the stairs drunk etc.

    I have read about Property Owner's Liability Cover, is that the solution to the above?


    I have also just bought my first HMO. I was a bit surprised to find that for buildings insurance it doesn't seem to be considered significantly different from a non-HMO property. Insurer told me that if the tenants were all of the same type (i.e. all students or all working) I didn't have to specify that it was an HMO.

    As regards liability, my view would be that we should be covered by taking standard 'good practice' precautions (i.e. comply with the HMO regs, get the electrics checked, get a gas safety certificate, etc.)
    There is a fine line between irony and stupidity. If I say something absurd please assume that I am being facetious.


      'phone up a few of the insurance advertisers on this site - they should be able to guide you,,,
      I am legally unqualified: If you need to rely on advice check it with a suitable authority - eg a solicitor specialising in landlord/tenant law...


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      • A slightly more complicated water damage issue

        I own and am the landlord of a flat. The flat below is landlord owned and has tenants, the flat below them is owner occupied

        There has been an issue with a leak from the flat below mine into the flat below his, it has caused damage to the bathrooms in both flats....
        20-03-2019, 21:10 PM
      • Reply to A slightly more complicated water damage issue
        It's one of those situations where the widely held belief, that it's always the responsibility of whoever had the leak who ends up paying for the damage, is wrong.
        But it's so widely held that lots of people pay out and it starts to become true.
        22-03-2019, 15:04 PM
      • Reply to A slightly more complicated water damage issue
        If its a leak from radiator and went though 2 flats and is visable im sure you will have noticed, you would have had to top boiler up and bleed radiators. Hes trying it on already said hasn't got insurance so hes blaming you
        21-03-2019, 18:43 PM
      • Reply to A slightly more complicated water damage issue
        Thanks very much, I'm going round to have a look this evening, and I'll be calling a plumber tomorrow and speaking to the insurance company once I've spoken to the plumber

        the flat below and is already talking about who pays and the flat below them is talking about liability already....
        21-03-2019, 17:10 PM
      • Reply to A slightly more complicated water damage issue
        There's no default liability for a leak.
        Leaks happen, and unless there's been either negligence or a deliberate act to cause the leak, the question of liability doesn't arise.
        And as there isn't really anything anyone can do to "maintain" pipework, negligence is a bit of a stretch....
        21-03-2019, 14:34 PM
      • Reply to A slightly more complicated water damage issue
        You can get a leak from a bedroom if the bedroom has a radiator. I have experience of a leaking central heating pipe under floorboards causing damage to a room below. It was a real pain to find as at first it appeared to be penetrating damp. You can also get leaks running a fair way under floorboards...
        21-03-2019, 10:29 AM
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      • Reply to Airbnb Insurance cover.
        Airbnb not a problem but as the tenant want to arrange it, it falls under the "sub-letting" category which makes most insurers run a mile. Think you will have trouble getting the cover you need, coupled with other potential issues as per above post, I think this is more hassle than it's w...
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      • Reply to A slightly more complicated water damage issue
        I would just relay everything in your post to your landlord insurer. I do not know the extent of coverage on your insurance policy but things that will help are:

        "Trace and Access" cover which would cover the locating and repairing of the leak
        "Property Owners Liability"...
        21-03-2019, 09:58 AM
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