Landlord Insurance for multiple properties

We're proud to have won Best Landlord Insurance Provider at the What Mortgage Awards 2024.

Here's what our customers have to say about Direct Line Landlord insurance.

Why choose Direct Line multi-property landlord insurance?

Voted Best Landlord Insurance Provider at the What Mortgage Awards 2013 - 2024.
Add up to 15 properties on one policy, with one renewal date.
Unlimited changes to your multi-property insurance policy, with no admin fees.
Optional Rent Guarantee cover for each of your residential properties. We'll cover any unpaid rent and legal fees to repossess the property if your tenants can't pay. An eviction notice must be served correctly before making a claim. Cover must be bought as part of the Legal Expenses add-on at new business or renewal. Price will be charged per property/flat. Restricted claims for existing tenants in the first 90 days for each property/flat.
Start a Landlord claim without the need to call.
Complete a quote in your own time - with the ability to save the progress you've made on a quote, you needn't add all your properties in one go.
0% APR on your monthly payments for the first year. Subject to eligibility, over 18s only.
Optional Landlord Emergency cover with a 24/7 claims line, so we can send help when you have an insured emergency. Landlord Emergency cover can only be added at new business or renewal for an additional premium. Price will be charged per property/flat. Where Landlord Emergency cover is insured on the policy, any claims made within the first seven days at properties added to the policy mid-term are not covered. Extreme weather conditions may extend the response time. Residential properties only. Only insured emergencies are covered. Cover up to £1,500 (inc. VAT) per claim.

24/7 Legal advice line for landlords

Whether you're facing a legal problem or just want to check something with a solicitor, you'll get access to a team of experts 24 hours a day, 7 days a week, as standard.

a stitched grey house featuring a red roof and five red windows meant to represent the kind of property a landlord might need to insure.

Registration with ARAG Businesslaw required. Services provided by ARAG Legal Expenses Insurance Limited. For uncommon and certain country-specific areas of law, the 24/7 helpline will refer you to specialist advisers available Monday to Friday, 9am-5pm, excluding bank holidays.

Find out more about ARAG Businesslaw.

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What is multi-property landlord insurance?

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 up to 15 properties - both residential and commercial - on one single policy, with one renewal date.

Whether you want to add more properties to your book, change the type of tenants you cater for or increase limits, you'll be able to do all this with no admin fees.

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What's included in our multi-property landlord cover?

The following cover types are included in our landlord insurance for multiple properties as standard:

Buildings Insurance and contents cover
Residential properties - choose buildings cover, contents cover, or both.
Mixed commercial properties - buildings cover as standard, with the option to include contents insurance.
Boiler cover is included when you take out our buildings cover. If your boiler breaks down, not as a result of wear and tear, we'll pay the cost of repairing it. If it can't be repaired, we'll cover the cost of replacing it. £200 excess applies.
Replacement locks and keys
Contents insurance covers the cost of changing locks following the theft of keys from the property.
Buildings insurance covers the cost of replacing the locks and keys for doors and windows necessary to maintain the security of the property as a result of accidental loss of keys.
Unlimited access to our 24/7 legal advice helpline, legal documents service and business guides as standard via ARAG Businesslaw.
Document services and 24/7 Helpline provided by ARAG Legal Expenses Insurance Limited. For uncommon and certain country-specific areas of law, you'll be referred to specialist advisors available Mon-Fri, 9am-5pm, excluding bank holidays.
Public liability cover of £2m, with the option to increase up to £10 million (subject to criteria), in case a claim is made against you. Find out more about why it's important to have landlord insurance.
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).
Glass and sanitary ware - we'll cover the cost of replacing damaged internal/external glass and sanitary ware at the property.

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Optional cover

For an additional premium, you can add any of these covers to your 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. This cover can only be added at new business or renewal.
Rent Guarantee - as part of legal expenses, add the Rent Guarantee cover to each of your residential properties. We'll cover any unpaid rent and legal fees to repossess the property if your tenants can't pay. An eviction notice must be served correctly before making a claim. Cover must be bought as part of the Legal Expenses add-on at new business or renewal. Price will be charged per property/flat. Restricted claims for existing tenants in the first 90 days for each property/flat.
Employers' Liability - this covers you if an employee makes a claim against you for a work-related injury.
Landlord Emergency cover - if there's an insured emergency at your residential properties, we'll send out a contractor to deal with the problem. Cover can only be bought at new business or renewal. Price will be charged per property/flat. Where Landlord Emergency cover is insured on the policy, any claims made within the first seven days at properties added to the policy mid-term are not covered. Only insured emergencies are covered. Cover up to £1,500 (inc. VAT) per claim.
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 a fire or a flood.
Theft by tenant cover - can only be added at new business or renewal.
Malicious Damage by Tenants - this cover can only be added at new business or renewal.
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 cover - you can extend your policy to help cover your rental 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 Ireland.

You can add Terrorism cover to your policy for an additional premium online or by calling us on 0345 301 5066. This cover can only be added at new business or renewal.

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Frequently asked questions about multi-property landlord insurance

You can get a quote with us for multi-property landlord insurance, with the option to insure up to 15 properties under one policy with one renewal date. You can do this online by adding the details for each of your properties. If you'd prefer to speak to someone, you can call our specialist multi-property landlord team on 0345 303 1764 or contact us using the WhatsApp QR code above.

If you already have landlord insurance with us, you can add up to 15 properties to your policy by logging into the My Account section. You'll need to use the email address and password you provided when you bought your landlord insurance policy. If you've forgotten your details, you can reset your password on the login screen.

Once logged in, you can view your existing policy under the “Your Policies” section and click “Amend” to add or remove any properties at any time. Alternatively, you can call our specialist multi-property landlord team on 0345 303 1764 or contact us using the WhatsApp QR code above.

Yes, you can add or remove properties from your policy as and when you need to, with no admin fee for doing so.

Yes, you can combine both residential and commercial landlord properties under one single policy, meaning you'll have one renewal date for all properties. You can insure up to 15 properties online on one single policy by completing a quote.

The rebuild value of your property is the amount it would cost to rebuild the property if it were destroyed. These costs include materials, labour, and fees for professionals such as architects and surveyors.

When you get a quote from us you may be able to use the Building Cost Information Service (BCIS) calculator to estimate the rebuild cost, but be aware that the calculator doesn't work for all property types. BCIS is part of the Royal Institution of Chartered Surveyors (RICS).

Alternatively, you can find a surveyor on the RICS website to give you a rebuild cost estimate. It's your responsibility to make sure that the sum insured is enough, as if you're underinsured this could affect the amount of any claim we may pay. BCIS is a third-party, and the calculator is not ours. It provides a sum insured range based on the brief details collected and standard of build from basic to excellent.

Yes, you can have your commercial properties under one policy and your residential properties under the other. Say if you need to insure multiple flats that you let commercially and multiple homes you rent out residentially but you'd prefer to keep the policies separate for your own administrative reasons, you can do so.

This means you'll have two separate policy numbers and renewal dates depending on when you take out the policies.

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Landlord insurance policy documents

When you get a quote, we'll send you a policy document that shows the insurance cover you've chosen for your portfolio of properties.

These can also be found when you log into My Account.

Here you can find examples of our latest landlord insurance documents which show the main covers we offer, plus exclusions.

To make sure you download the right document, please select the dates that cover the period you bought or renewed your policy and the latest version of the document will be displayed.

Landlord insurance policy Landlord insurance policy summary