HMO & Student Landlord Insurance in Kent
If you’re a landlord of a House in Multiple Occupation (HMO) or student accommodation in Kent , you need the right cover to protect your investment and meet legal requirements.
At Clarke Williams Insurance Brokers, we arrange specialist HMO landlord insurance to protect your building, rental income, and liabilities — whether you let to students, professionals, DSS tenants or mixed occupancies. We can cover:
- Bedsits & shared houses
- Student accommodation
- Small & large HMOs (including multi-property policies)
Why You Need Specialist HMO Insurance
Standard landlord insurance is often not enough for HMOs, as letting to multiple tenants comes with unique risks- such as higher wear and tear, increased liability, and stricter legal obligations.
Our HMO landlord insurance can protect you against:
- Property damage (fire, flood, storms, vandalism)
- Loss of rent if the property becomes uninhabitable
- Alternative accommodation costs for tenants
- Legal liabilities for injury or property damage
- Contents cover for furnished HMOs
Local Expertise for Kent Landlords
As local insurance brokers based in Kent, we understand the specific challenges landlords face in Maidstone, Tonbridge, Medway, Canterbury, Tunbridge Wells, and Ashford. We work with leading UK insurers to find you competitive, tailored cover – and we can place multiple properties under one policy to make life easier.
Frequently Asked Questions about HMO & Student Landlord Insurance
What makes my rental property a HMO?
A property is classed as an HMO if:
- It’s rented to 3 or more tenants forming more than one household
- Tenants share kitchen, bathroom, or toilet facilities
What types of HMO are there?
- Small HMO – 3 or 4 tenants
- Large HMO – 5 or more tenants (licence usually required)
Popular examples include student houses, professional house shares, and bedsits.
What are a HMO’s Legal Requirements?
If you let an HMO, you have extra legal responsibilities, including:
- Obtaining an HMO licence (for large HMOs or where the council requires it)
- Annual gas safety checks
- Electrical checks every 5 years
- Adequate fire safety measures and escape routes
- Maintaining communal areas & facilities
Failure to comply can lead to large fines or licence revocation — so it’s vital to get both your property and your insurance right.
Why Choose Clarke Williams for HMO Insurance?
- Local Kent brokers who know the market
- Cover for all tenant types (students, professionals, DSS)
- Loss of rent & alternative accommodation cover
- Flexible Direct Debit payment plans
- Multi-property policies available
Get Your HMO Insurance Quote Today
Call 01732 252 898 or email info@clarkewilliams.co.uk for a free, no-obligation quote and expert advice on protecting your HMO investment.
Further Reading
If you own or manage HMOs, student accommodation or residential investment property, you may also find these guides useful:




