Multi-Property
Landlord
Insurance
What is Multi-Property Insurance?
Multi-Property Insurance is designed for landlords and investors managing multiple rental properties. Whether you own a large property portfolio, multiple buy-to-let properties, or a mix of residential and commercial buildings, this insurance consolidates cover into one simple policy, protecting against risks such as property damage, loss of rent, and liability claims.
For portfolio landlords, property investors, and letting agencies, Multi-Property Insurance provides a cost-effective and efficient way to manage insurance across multiple properties.
Who Needs Multi-Property Insurance?
If you own more than one rental property, a dedicated Multi-Property Insurance policy simplifies management and ensures consistent cover across your portfolio. This includes:
- Portfolio Landlords – Cover for multiple rental properties under a single policy.
- Property Investors – Protection for those with a mix of residential and commercial properties.
- Letting Agencies – Cover for managed properties on behalf of landlords.
- Block Property Owners – Ideal for freeholders and those owning multiple units in a block.
- Short-Term Let Landlords – Cover for multiple holiday rentals or Airbnb properties.
Why is Multi-Property Insurance Important?
Managing multiple properties can be complex, and having separate policies for each can be costly and time-consuming. Multi-Property Insurance simplifies things by offering:
- One Policy, One Renewal Date – No more juggling multiple policies.
- Cost Savings – Consolidated cover can often be more affordable.
- Comprehensive Protection – Cover for property damage, loss of rent, and liability risks.
- Flexibility – Easily add or remove properties as your portfolio changes.
What’s Covered in Multi-Property Insurance?
Multi-Property Insurance typically includes:
- Building Insurance – Covers structural damage across all properties.
- Contents Insurance – Protection for furnishings in furnished lets.
- Landlord Liability – Covers claims for injuries or damages involving tenants or visitors.
- Loss of Rent – Compensation if a property becomes uninhabitable due to an insured event.
- Alternative Accommodation – Covers rehousing costs if tenants need temporary accommodation.
What’s Not Covered?
- General wear and tear across properties.
- Tenant non-payment of rent (unless rent guarantee cover is added).
- Malicious damage by tenants (unless covered under optional add-ons).
Additional Cover You May Need
Depending on your portfolio, you may need additional cover such as:
- Rent Guarantee Insurance – Covers unpaid rent if tenants default.
- Landlord Legal Expenses – Protection for legal costs in disputes with tenants.
- Home Emergency Cover – 24/7 assistance for boiler breakdowns, plumbing issues, and more.
Simplify your property insurance with Insurably
At Insurably, we have access to 100's of insurer markets, ensuring that no matter how diverse your property portfolio is, we can find the right cover for you.
Start your quote online, and rest assured that we’re working hard to match you with the best insurer, making property insurance management simple and cost-effective.
- Small local office, no call centres.
- Experienced, knowledgeable staff.
- We keep it simple—no jargon, just clear and honest advice.
What does Residential Landlord Insurance cover?
What's Covered?
What's Not Covered?
Portfolio Landlord Insurance doesn’t have to follow a one-size-fits-all model. Insurably® uses in-depth market knowledge to strategically place each property with the most suitable insurer—ensuring tailored cover, optimised pricing, and full protection across your entire portfolio. It’s a smarter, more efficient way to insure multiple properties with confidence.
25+
years of experience in landlord insurance
100+
insurer markets accessed
100%
confidence in property protection
Frequently Asked Questions
- Buildings Insurance – Covers structural damage across multiple properties.
- Contents Insurance – Protection for furnishings in furnished properties.
- Loss of Rent – Compensation if properties become uninhabitable due to an insured event.
- Landlord Liability – Covers legal costs if tenants or visitors suffer an injury.
- Alternative Accommodation – Pays for tenant relocation if necessary.
- One renewal date for all properties, making management easier.
- Potential cost savings due to bulk discounts.
- Flexibility to add or remove properties as needed.
- Consistent cover levels across your portfolio.
- The number and location of properties.
- Property type and security measures.
- Claim history and tenant type.
- Additional cover options like rent guarantee or legal expenses.