I'm considering converting a property into an HMO. How does this impact my existing landlord insurance, and what specific additional liabilities or coverages are crucial for an HMO license compliance in the UK?
Quick Answer
Converting to an HMO requires specialist insurance due to increased risks and specific liabilities, including higher public liability and fire safety, crucial for license compliance.
About This Topic
Converting to an HMO requires specialist insurance, increasing public liability. From April 2025, empty HMOs face up to 300% Council Tax premiums. Ensure cover aligns with UK HMO licensing rules.
This question is part of our Buying Your First Property category, providing expert guidance on UK property investment.
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