HMO Property FAQ

30 days.

If you own a HMO that is let out to five or more people that form two or more families, you must get a HMO licence. Licensing is in place to ensure that private landlords provide accommodation that is properly managed and compliant with health and safety regulations. The main responsibilities of a HMO landlord include gas and electrical safety checks, ensuring that the property isn’t overcrowded, keeping the building in a good state of repair and providing adequate cooking and cleaning facilities.

Here at CIA, we can offer cover for your portfolio that contacts a mixture of HMO and non-HMO properties.

Yes, CIA can create a tailored quote to cover multiple HMO properties. Give us a call or request a callback to discuss your needs.

A bedsit is a self-contained unit in a building. Whereas a HMO has at least three people living in the property, each from different households. These tenants will share facilities such as the kitchen and bathroom.

Yes, we offer specialist student landlord insurance and landlord insurance for DSS tenants.

Here at CIA, we can cover properties that have been converted to HMO.

An HMO is a property in which multiple unrelated individuals or households share common facilities and living spaces, such as a shared kitchen, bathroom, or living room. This type of arrangement is common in student housing or properties rented out to professionals.