Multi-Property Landlord Insurance
Multi-Property Insurance Quotes
Cover every property you let under one policy.
Partnered with Quotezone
We’re partnered with Quotezone. As an Introducer Appointed Representative of Seopa Ltd (FCA FRN: 313860), we receive a commission if you purchase insurance products via SimplyQuote.co.uk.
We do not provide advice or make recommendations. Your choice of provider is entirely your own.
Compare multi-property insurance quotes from UK’s leading landlord insurers including:
What Is Multi-Property Landlord Insurance?
Multi-property landlord insurance covers two or more rental properties under a single policy, giving you one renewal date and one point of contact for claims.
Standard landlord insurance covers a single property. If you own two or more, a multi-property policy bundles them together and often works out cheaper than insuring each one separately.
You might also see this called portfolio landlord insurance. Both terms describe the same product, with most policies starting from two properties and limits ranging from ten to twenty-five depending on the insurer.
How To Compare Multi-Property Landlord Insurance Quotes
You can compare multi-property landlord insurance quotes online in a few minutes by entering your portfolio details and reviewing prices side by side.
Enter your property details
Tell us how many properties you own, where they are, and each property’s rebuild value. Include the type of tenancy for each address.
Choose your cover level and add-ons
Decide whether you need buildings only, buildings and contents, or a combined policy with liability cover. Select any add-ons such as rent guarantee or legal expenses.
Compare quotes from multiple insurers
Review the prices, excess amounts, and cover limits from each insurer before you choose. Pay attention to per-property excesses, which can vary between providers.
Check your insurer and buy online
Every insurer must be authorised by the Financial Conduct Authority. Confirm this before you commit, then complete your purchase online.
What Does Multi-Property Landlord Insurance Cover?
A standard multi-property policy includes buildings cover, contents cover if you let furnished, and property owners’ liability.
Buildings cover
Your landlord buildings insurance protects the structure of each property, including walls, roofs, floors, and fitted fixtures like kitchens and bathrooms. Cover typically includes damage from fire, flood, storms, subsidence, and escape of water.
Contents cover
If you let furnished or part-furnished properties, contents cover protects carpets, curtains, appliances, and any furniture you provide. Our guide to what landlord insurance covers explains the full list of items typically included.
Liability cover
Public liability insurance protects you if a tenant or visitor is injured at one of your properties. Most policies offer between £1 million and £5 million of cover.
Loss of rental income
If one of your properties becomes uninhabitable after an insured event, loss of rental income cover pays you the rent you would have received while repairs are carried out. Most policies cover up to 12 months of lost rent.
Compare Multi-Property Landlord Insurance
Compare multi-property landlord insurance quotes from UK insurers in minutes.
What Types Of Property Can You Insure?
Most multi-property policies cover residential buy-to-lets, HMOs, blocks of flats, and short-term lets under one policy.
Residential buy-to-lets
Standard buy-to-let properties are the most common type on multi-property policies. These include houses, flats, and maisonettes let on assured shorthold tenancies.
Houses in multiple occupation
If you let individual rooms in a shared house, you may need HMO insurance or a specific endorsement on your multi-property cover. HMOs often require higher liability limits because of the increased number of occupants.
Blocks of flats
Landlords who own an entire block of flats can add it to their multi-property policy. The insurer will assess the rebuild value of the whole building, including communal areas.
Short-term and holiday lets
Properties listed on platforms like Airbnb need specialist cover because the tenancy type differs from a standard assured shorthold agreement. Check that your policy includes short-term let cover before adding these properties.
What Add-Ons Are Available For Multi-Property Landlord Insurance?
Common add-ons include rent guarantee insurance, legal expenses cover, employers’ liability, and accidental damage protection.
Rent guarantee insurance
Rent guarantee insurance pays your rental income if a tenant stops paying. Most policies cover up to 12 months of unpaid rent and include the legal costs of eviction.
Legal expenses cover
Disputes with tenants can be expensive, and legal expenses cover typically provides up to £50,000 towards solicitor fees and court costs. The government’s landlord guide sets out your full legal obligations as a property owner.
Employers’ liability
If you hire anyone to work on your properties, such as cleaners, gardeners, or maintenance staff, employers’ liability insurance is a legal requirement. The minimum cover is £5 million, and the fine for not having it is up to £2,500 per day.
Accidental and malicious damage
This covers damage caused by tenants, whether accidental or deliberate. Standard policies exclude tenant damage, so this add-on is worth considering if you let to tenants you have not vetted yourself.
How Much Does Multi-Property Landlord Insurance Cost?
Multi-property landlord insurance costs vary by portfolio size, but most landlords pay between £200 and £2,000 per year for a combined buildings and contents policy.
| Portfolio size | Estimated annual cost |
| 2–3 properties | £200–£400 |
| 4–6 properties | £400–£700 |
| 7–10 properties | £700–£1,200 |
| 10+ properties | £1,200–£2,000+ |
These estimates assume standard residential properties with rebuild values between £100,000 and £250,000 each. HMOs, commercial units, and properties in flood-risk areas will cost more.
As a worked example, three two-bed terraced houses in Manchester valued at £150,000 each with £10,000 contents cover per property might cost around £420 per year. Our guide to how much landlord insurance costs breaks down what drives the price.
Paying monthly typically adds 8–11% to the total. That £420 annual premium would become roughly £38–£39 per month on a monthly plan.
The Association of British Insurers publishes average property insurance costs if you want a broader benchmark for your portfolio.
What Affects Your Multi-Property Landlord Insurance Premium?
Your premium depends on the number of properties you own, their type and location, your tenant profile, and your claims history.
Number of properties
More properties mean more risk, but multi-property discounts mean the cost per property usually falls as your portfolio grows. A ten-property portfolio rarely costs five times as much as a two-property one.
Property types and locations
A Victorian terrace in a flood zone costs more to insure than a modern flat on high ground. Insurers assess each property’s rebuild value, age, construction type, and postcode.
Tenant types
Properties let to DSS tenants or those on local housing allowance may carry higher premiums. HMO properties also attract higher premiums than single-household lets because of the increased occupancy.
Claims history and void periods
A clean claims record keeps premiums down. Long void periods where a property sits empty can push costs up because unoccupied properties are at greater risk of damage and break-ins.
How To Save Money On Multi-Property Landlord Insurance
Comparing quotes, bundling all your properties, and improving security can reduce your multi-property landlord insurance costs.
Compare quotes from multiple insurers
Prices vary widely between insurers. Use a comparison service to see quotes side by side rather than accepting a renewal price without checking the market.
Bundle all properties on one policy
A single multi-property policy is almost always cheaper than separate let property insurance policies for each address. You also save time with one renewal date and one claims contact.
Increase your voluntary excess
Raising your excess from £250 to £500 per property can reduce your premium. Make sure you can afford the higher excess if you need to claim on multiple properties at the same time.
Install security measures
Fitted locks, burglar alarms, and smoke detectors can earn you discounts. Some insurers require minimum security standards before they will offer cover, so these upgrades may be non-negotiable.
Compare Multi-Property Landlord Insurance
Compare multi-property landlord insurance quotes from UK insurers in minutes.
Frequently Asked Questions
Standard landlord insurance covers one property, while a multi-property policy bundles two or more under one policy to simplify admin and reduce costs. Our guide to what is landlord insurance explains the basics.
Most insurers require at least two properties. Limits vary by provider, with some covering up to 10 and others accepting 25 or more.
Some policies cover a mix of residential and commercial properties, but not all insurers offer this. Check with your provider whether your commercial units qualify for the same policy.
No, standard home insurance is designed for properties you live in yourself. If you let a property to tenants, you need landlord insurance or specialist let property cover.
Yes, multi-property policies typically cover properties across England, Scotland, and Wales. Each property is assessed individually based on its location, rebuild value, and construction type.
Your mortgage lender will almost certainly require buildings insurance as a condition of your buy-to-let mortgage. Our guide covers whether you need landlord insurance and when it becomes a legal consideration.
Most insurers let you add new properties to your multi-property policy at any point during the year. You will usually pay a pro-rata premium for the remaining months of the policy.
A claim on one property should not affect the cover on your other properties. However, your overall premium may increase at renewal if you have made a claim during the policy year.
Yes, landlord insurance premiums are an allowable expense you can deduct from your rental income when calculating your tax liability. Keep your premium receipts for your tax return.
There is no real difference, as multi-property and portfolio landlord insurance describe the same product. Different insurers use different names, but both cover two or more rental properties under one policy.
