How long is a quote valid for?

30 days.
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What are a landlord’s legal responsibilities for a HMO?

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.
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Can I cover non-HMO properties on the same policy?

Here at CIA, we can offer cover for your portfolio that contacts a mixture of HMO and non-HMO properties.
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I let multiple HMO properties, can you cover me?

Yes, CIA can create a tailored quote to cover multiple HMO properties. Give us a call or request a callback to discuss your needs.
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What is the difference between a HMO and a bedsit?

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.
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Can I cover students and DSS tenants with my HMO policy?

Do you cover properties that have been converted to HMOs?

Here at CIA, we can cover properties that have been converted to HMO.
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What is a 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.
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Home selling secrets

Amina was very helpful in sorting out my landlord’s insurance and spotted an error in my cover which helped reduce my premium.

First time landlords

We are first time landlords and you gave good advice and the process was easy and good value.

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A pleasure to deal with, the lady on the phone was a credit to her company.