Multi-property landlord insurance

Insure up to 15 properties on one policy, with just one renewal date.

  • We won't charge you admin fees to make changes to your policy.
  • 0% APR on your monthly payments for the first year.

    Subject to eligibility, over 18's only.

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We have a dedicated team of multi-property insurance experts who can help you get the right insurance for your property portfolio.

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All your properties on one policy

We know that managing a portfolio of properties can often be a full-time job - there are different contracts to sort out, tenants with different needs to support and maintenance issues across different buildings to deal with.

With so much to get done, the last thing you want to worry about is organising different insurance policies for each property you let. That's why we've created specialist multi-property landlord insurance that allows you to insure all your properties - both residential and commercial - on one single policy.

You can add up to 15 properties to your policy. Plus, you only have one renewal date, so you can keep all your insurance-related admin to a minimum.

Our portfolio property insurance is designed to give you peace of mind not another headache, allowing you to get on with growing your property empire.

We have a dedicated team of multi-property insurance experts who can help you get the right insurance for your property portfolio.

No admin fees for amendments

We provide comprehensive cover that's tailored to the specific needs of multi-property landlords. You can see what's included in our insurance below.

We understand that your business is likely to change over time, so whether you want to add more properties to your book, change the type of tenants you cater for, increase limits or extend your cover, you'll be able to make alterations to your policy whenever you need to, with no admin fees for amendments.

Add other people to your policy

If you let several properties, you might want a family member, a friend, an employee or someone else to make updates to your policy for you. We allow you to add other people to your policy so that they can make changes on your behalf. This means you can even authorise your tenants to report claims and liaise with tradespeople to get quotes for repairs.

What do we cover?

The following types of cover are included in our multi-property landlord insurance as standard:

  • Buildings cover including Boiler cover or New-for-old contents cover including replacement lock cover. Either Buildings or Contents is standard, not both. You can then add the second cover option to your policy for an additional premium, if required.
  • Glass and Sanitary Ware.
  • Access to our legal documents service, business guides and 24/7 legal advice helpline as standard via DAS Businesslaw.

    For niche legal advice and some jurisdictions, the 24/7 helpline will refer you to specialist advisers, available Mon-Fri, 9am-5pm, excludes bank holidays.

  • Access to your own specialist claims handler should the worst happen.
  • Public liability cover of £2m with the option to increase for an additional premium.
  • Alternative Accommodation - we'll pay to re-house your tenants if the property becomes uninhabitable following an insured event such as a flood or fire (subject to policy limits).

We have a dedicated team of multi-property insurance experts who can help you get the right insurance for your property portfolio.

We have a dedicated team of multi-property insurance experts who can help you get the right insurance for your property portfolio.

Optional cover

For an additional premium, you can add any of these covers to your multi-property landlord insurance policy:

  • Legal Expenses - covers the cost of defending your legal rights. Includes Repossession Cover, Nuisance and Eviction of Squatters Cover, and Tax Protection.
  • Rent Guarantee - If your tenants can't pay, this covers you for the unpaid rent [and legal fees] until they move out. Eviction notice must have been correctly served before a claim. Purchased as part of legal Expenses add-on at new business or renewal. Restricted claims for existing tenants in first 90 days after purchase.
  • Employers' Liability - this covers you if an employee makes a claim against you for a work-related injury.
  • Landlord Emergency - if there's an insured emergency at your residential properties, we'll send out a contractor to deal with the problem.
  • Accidental damage for buildings and/or contents when you've insured them.
  • Loss of rent - this covers lost income if your properties become uninhabitable following an insured event such as fire or flood.
  • Theft by tenant cover.
  • Malicious Damage by Tenants.
  • Personal accident - pays up to a maximum benefit of £50,000 in respect of death or a weekly benefit of £250 if temporary disablement to insured persons between the ages of 16 -75 if they are unable to work because they've been injured in an accident, whether in a business or personal capacity.
  • Terrorism - help protect your commercial property against damage caused by acts of terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents and/or loss of rental income.
  • Acts of terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government. Terrorism cover is not available for properties that are located in the Channel Islands, Isle of Man or Northern Island. An additional premium will apply and is available only on a new policy or at renewal.

Policy documents

View and download policy documents here

The following policy documents apply to policies that were bought or renewed on, or after 8 September 2019 but before 22 June 2021.

The following policy documents apply to policies that were bought or renewed on, or after 22 June 2021 but before 29 May 2022.

The following policy documents apply for policies effective from 30 May 2022 onwards.

How can we help?

Our virtual assistant is here to answer your questions. And in cases where it doesn't have the answer, we'll put you in touch with someone who can help.

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Opening hours:

  • Monday to Friday 8am - 6pm
  • Saturday 9am - 3pm
  • Sunday closed