Landlords Specialist Insurance for HMOs, High-Risk and Non-Standard Properties

Owning rental property can bring great opportunities but also some risks. Whether you manage a single buy-to-let, an HMO (House of Multiple Occupation) or a distressed or unoccupied property, having the right insurance in place is essential.

At GPS Insurance Brokers we specialise in arranging insurance for non-standard, higher-risk and hard-to-insure properties. We work with a wide range of specialist insurers and are experienced in distressed property risks, ensuring you get the protection you need.

Why Distressed and HMO Properties Need Specialist Insurance

HMO properties and distressed or unoccupied buildings face a specific set of risks including:

• Higher likelihood of accidental or malicious damage
• Increased fire, escape of water and liability claims
• More vulnerability when the property is unoccupied or under renovation
• Greater regulatory and safety obligations for landlords
• Higher chance of unauthorised occupants or subletting

Due to these factors, many standard insurers won’t offer cover or will decline claims if the correct policy type isn’t in place.

Distressed & Non-Standard Property Insurance

We help landlords secure cover across for properties rented to multiple unrelated tenants, including student accommodation, shared housing and bedsits.

This includes properties that are:

• Unoccupied
• Partially distressed or in disrepair
• Undergoing renovation or awaiting sale
• Experiencing tenant-related issues
• Previously subject to claims

Loss of Rent Cover

Essential support for unexpected loss of income.

Our advisors will guide you to ensure your cover matches the true occupancy, true condition and true risks of your property.