Portfolio landlord insurance for residential, commercial and mixed property portfolios, arranged around the buildings you own and the tenants who occupy them.
Cover for multiple propertiesResidential and commercial portfoliosSpecialist landlord advice
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Multi-property Landlord Insurance - portfolio cover for different property types.
Portfolio landlord insurance can be arranged around the properties you own, how they are occupied and the cover you need across the portfolio.
Residential portfolios
Cover for buy-to-let houses, flats, apartments and other residential properties rented to tenants.
Commercial portfolios
Insurance for shops, offices, warehouses, workshops, restaurants and other premises let to businesses.
Mixed portfolios
Support where your portfolio includes residential property, commercial premises and mixed-use buildings.
Multiple locations
Portfolio arrangements can consider properties spread across one town, several postcodes or wider regional areas.
Different tenant types
Insurers can review private tenants, commercial occupiers, professional firms, retailers and hospitality tenants.
Changing portfolios
As properties are bought, sold, renovated or re-let, your insurance should continue to reflect the actual risk.
Why landlords choose portfolio insurance.
Multi-property landlord insurance is often about more than price. It can help make cover easier to review, administer and adapt as your property portfolio changes.
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What is Multi-property Landlord Insurance?
Multi-property landlord insurance is designed for landlords who own more than one rental property and want to arrange cover across a portfolio.
A portfolio might contain several residential buy-to-let homes, a group of commercial premises, mixed-use buildings, or a combination of residential and commercial properties.
Rather than treating each building in isolation, a portfolio arrangement can help bring the insurance conversation together, while still allowing each property, tenant type and occupancy to be properly understood.
Portfolio insurance for residential, commercial and mixed property owners.
The best structure depends on the type of properties you own and how different the risks are from one address to the next.
Residential landlord portfolios
Buy-to-let houses, flats, maisonettes and apartment blocks, with insurers usually focusing on tenancy type, rebuild value, landlord contents, rent, construction and claims history.
Commercial landlord portfolios
Shops, offices, restaurants, warehouses and workshops, where the tenant's trade can be a major underwriting factor.
Mixed-use and mixed portfolios
Portfolios that combine residential lets, commercial units and buildings containing both types of occupation.
Special situations
Blocks, converted properties, HMO or student lets, vacant buildings and refurbishments may need additional detail before terms can be confirmed.
What can portfolio landlord insurance cover?
The cover available will depend on the properties, insurer and policy selected, but a portfolio landlord policy can bring together several core protections.
This can include buildings insurance, property owners' liability, landlord contents, loss of rent, alternative accommodation and optional extensions such as legal expenses or malicious damage cover.
Each property still needs to be properly described so the insurer understands the building, occupancy, tenant type and sums insured.
Buildings insurance - cover for insured damage to the structure of each property, usually based on rebuild value.
Property owners' liability - protection if you are legally liable for injury or property damage connected with a property you own.
Landlord contents - cover for furniture, appliances, fixtures or other landlord-owned items provided for tenant use.
Loss of rent - protection for insured rental income if covered damage means a property cannot be occupied or used.
Legal expenses and extras - optional support for certain landlord legal disputes, emergency assistance or accidental damage, depending on the insurer.
Information insurers usually need for a portfolio quote.
The more varied the portfolio, the more important accurate property-level detail becomes.
Property addresses
Each risk address, location and whether the property is residential, commercial or mixed-use.
Rebuild values
Building sums insured, construction details, age of the property and any notable features.
Tenant details
Residential tenancy type or the business activity of each commercial tenant occupying the premises.
Rental income
Annual rental income for each property and whether loss of rent cover is required.
Claims history
Previous losses, claims patterns and any known issues affecting the portfolio.
Vacant or changing properties
Details of empty buildings, refurbishment, change of use or properties awaiting a new tenant.
What affects the cost of multi-property landlord insurance?
The cost of landlord portfolio insurance depends on the number of properties, the type of buildings, their locations, rebuild values, tenant types, claims history and the covers selected.
A larger portfolio is not automatically more expensive on a like-for-like basis, but insurers will want to understand the spread of risk. A group of standard residential houses can be viewed very differently from a portfolio containing restaurants, vacant units and older mixed-use buildings.
Accurate rebuild values are especially important because underinsurance can affect claims. Market value, mortgage value and rebuild cost are not the same thing.
What may not be covered by landlord portfolio insurance?
Policy exclusions vary, so the wording always matters. These are common areas to check before you rely on cover.
Area to check
Why it matters
Wear and tear
Insurance is not a maintenance contract. Gradual deterioration, poor upkeep and expected ageing are commonly excluded.
Tenant belongings
Landlord contents cover usually protects items you own, not the tenant's personal possessions.
Undeclared changes
Vacancy, refurbishment, change of tenant trade or a new occupancy type can affect cover if it is not declared promptly.
One portfolio. Clearer insurance.
As a property portfolio grows, managing separate renewal dates, documents and insurer requirements can become inefficient. A portfolio conversation can help create a clearer insurance structure while still allowing every property to be assessed on its own facts.
Landlords with multiple properties may be able to arrange portfolio landlord insurance covering several buildings under one arrangement. The options available depend on the properties, occupancies and insurer.
Yes, subject to insurer appetite.
A portfolio can include residential property, commercial property and mixed-use buildings, but each property and tenant type still needs to be accurately described.
Not always.
The premium depends on the properties, sums insured, occupancies, claims history, cover selected and insurer terms. A portfolio arrangement is often about suitability and manageability as much as price.
In many cases, yes.
If you buy another property, tell your broker or insurer before cover is needed. The insurer will usually need details of the new property before confirming whether it can be added.
Tell your insurer or broker as soon as possible.
Vacant properties can be treated differently by insurers and may be subject to restrictions, conditions or specialist vacant property cover.
Not necessarily.
Different properties can have different requirements, particularly where some are residential, some are commercial and some are mixed-use. The policy structure will depend on the insurer and the portfolio.
Potentially, but they need to be declared clearly.
HMOs, student lets and multi-tenant properties can involve different licensing, occupancy and management requirements. Some insurers will consider them, while others may need separate terms.
No.
Standard home insurance is not designed for rental activity. Landlord insurance is arranged around letting risks, tenant occupation, property owners' liability, rental income and the way the property is used.
Not always.
Some landlords prefer separate policies, while others benefit from a portfolio arrangement. The right structure depends on the mix of properties, insurer appetite, renewal timing and how you want to manage the portfolio.
The trade can change the risk significantly.
An office, cafe, takeaway, warehouse and workshop can all create different fire, liability, public access and business activity exposures, even if the buildings are similar.
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