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HMO Landlords Insurance

Are you sure you are covered? Having the wrong type of insurance on your HMO may mean your policy is invalidated.The risk of having a policy that isn’t worth the paper its written on presents significant risk which could be easily avoided. Falcon Insurance are experts in Houses in Multiple Occupations (HMO) insurance.

You need to understand all the potential risks associated with HMO property & ensure that your policy has adequate protection in place should any of the events actually happen. The main risks associated with HMO property relate to fire, malicious tenant demage, flooding & loss of rental income. Having the appropriate level of cover in place is also a potential risk.

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Save time & money with Falcon Insurance. Call 0121 679 7265 to get a quote

And put us on test to see how much we can save you! or click on Get a Quote button now.
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Things to consider while taking HMO Insurance.

HMO Landlords Insurance
  • Recognise that even if your property is not a mandatory licenced HMO you still need HMO insurance cover if you have multiple persons living in your accommodation.
  • Don't rely on getting adequate insurance over the internet. Speak with the provider to make sure they understand HMO's.
  • Do not buy HMO insurance on price alone. Take the time to go through the insurance contract and understand the endorsements and limitations in cover.
  • Engage with the broker & get them to explain the in's and out's of the policy you are buying.
  • If you own more than one Buy-To-Let property, buy an insurance product that will cover all your property as it will work out cheaper than individual policies.
  • Make sure your policy covers all the main risks associated with insurance. In addition to the main elements ensure that alternative accommodation, tenant malicious damage & appropriate levels of cover are built into the policy.

Why Falcon Insurance?

  • Fast documentation
  • Unrivalled customer service
  • Competitive rates
  • 24 hour claim line
  • Knowledgeable friendly staff
  • Flexible payment options
  • UK based call handlers

HMO Landlords Insurance FAQ's

What is HMO Insurance?
House in Multiple Occupation (HMO) Insurance is another type of Landlords insurance where the house / property is let to 3 or more unrelated occupants who share the facilities eg bathroom, kitchen etc; its also called house share.
What type of insurance cover do we need?
If you are not sure what type of insurance or level of cover you need then please call us on 0121 6797265 and we will be more than happy to assist you and find you the right cover for your property.
Do we need a licence for HMO?
Depending on the size of your HMO, you may need a licence for HMO. Its best to check with your council if you need a licence for your HMO or not.
Do we need insurance if we have shared occupants?
Its always good to have insurance for your property. For more information please call our HMO Landlord specialist line on 0121 679 7265, we will be more than happy to assist you and answer your queries.
 
Get a Quote Now

Save time & money with Falcon Insurance. Call 0121 679 7265 to get a quote

And put us on test to see how much we can save you! or click on Get a Quote button now.
Get a Quote Now

 

Opening Hours

Monday to Friday - 9:00am - 5:00pm

Saturday - Closed

Sunday - Closed

Bank Holiday - Closed

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Contact Us

  • Branston Court, Branston Street, Jewellery Quarter, Birmingham. B18 6BA
  • 0121 679 7265
  • enquiries@falconinsurance.co.uk
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