When requesting quotes, provide accurate details about the number of occupants, bedrooms, self-contained units, communal areas, tenancy arrangements and whether the property has the required local authority HMO licence. Compare buildings cover, property owners’ liability, loss of rent, alternative accommodation, legal expenses and cover for malicious or accidental damage, while checking exclusions and excesses. Some insurers may impose specific conditions for fire safety, locks, inspections or managing agents, so read the policy wording carefully. An FCA-authorised specialist broker can help you compare suitable options, and your council or GOV.UK can confirm relevant HMO licensing requirements.