Comprehensive Cover for Landlords
Buildings, liability, rent guarantee, and bespoke tenant scenarios.
Many landlords face challenges insuring properties that fall outside the standard buy-to-let model. At Qudos Insurance Brokers, we specialise in helping landlords and property investors secure cover for what insurers consider “non-standard” or “high-risk” tenancies.
This guide will walk you through the most common unusual rental scenarios and how we can help.
What Is a Non-Standard Let?
A non-standard let is any rental property that involves higher-than-average risk due to:
- The type of tenants
- The use of the building
- How it’s managed or maintained
Standard insurers often decline these risks or apply limited cover, but we work with specialist underwriters who understand these markets.
Types of Higher-Risk Rental Properties We Can Cover
- Houses in Multiple Occupation (HMOs)
- Multiple, unrelated tenants sharing amenities
- Often used by students, professionals, or benefit recipients
- Requires correct licensing & fire safety compliance
Risks: Increased wear and tear, tenant turnover, fire/explosion risk
Cover can include:
- Buildings & landlords’ contents
- Property owners’ liability
- Loss of rent
- Legal expenses
- Properties Let to Asylum Seekers or Refugees
- Typically leased to third-party housing providers or government contractors
- Often fully managed but viewed as high-risk by mainstream insurers
Risks: Potential for high occupancy, social/press exposure, maintenance challenges
What we offer:
- Buildings insurance with third-party management clauses
- Extended liability cover
- Specialist housing provider agreements included
- Assisted Living / Supported Housing Tenants
- Often regulated under CQC or Ofsted frameworks
- Tenants include vulnerable adults, care leavers, or those requiring day-to-day support
Risks: Safeguarding concerns, care provider reliability, property modification
What we provide:
- Property cover that recognises use class and care provider relationship
- Loss of rent and malicious damage cover
- Tailored liability limits for care-related exposures
- Halfway Houses / Rehabilitation Homes
- Short- or long-term accommodation for ex-offenders, people in recovery, or those reintegrating into society
Risks: Reputation management, unregulated care, potential anti-social behaviour
Cover considerations:
- Specialist underwriters with experience in high-risk occupancy
- Claims support and legal expense cover
- Tailored excess structures to control costs
Why Standard Insurers Decline These Risks
Mainstream insurers often reject or restrict cover due to:
- Tenant unpredictability
- Lack of understanding of third-party or regulated agreements
- Concerns about social care involvement
At Qudos, we take a case-by-case approach, presenting your property in the best light to underwriters who are open to alternative lets.
Why Work With Qudos?
- We work with UK-wide landlords and portfolio holders
- We know how to navigate housing association & council leases
- We partner with specialist underwriters who understand the sector
- We support introducers such as block managers, solicitors, and letting agents
We also help with:
- Flexible policies (per property or grouped)
- Monthly payment options
- Renewal management and claims assistance
Get a Quote or Ask for a Review
If you’ve been declined by other brokers or had terms restricted, let’s talk. We’ll help you find cover that protects your investment and satisfies your obligations.