Multi property landlord insurance

Q: Is landlord insurance required by law?

As we’ve outlined above, there’s currently no legal obligation to take out a dedicated landlord insurance policy. However, a home insurance policy won’t cover you for the specific risks you and your tenants face, and a mortgage lender will usually require you to have buy-to-let insurance in place too, before renting out your property. If you employ people, you’re required by law to have employers’ liability insurance.

Q: Do landlords need contents insurance?

If you’ve provided furniture and other contents for your tenants – maybe even a TV or art for the walls – your property is known as ‘furnished’, and protection is key for most landlords. You can buy contents insurance as part of your landlord insurance policy, just add it when completing your landlord insurance quote.

Q: Rent guarantee cover and tenant default – what’s the difference?

Rent guarantee and tenant default cover are often misunderstood as being the same thing. Both of these covers are designed to protect a landlord’s income if their tenant stops paying rent – however, there are key differences which you should be aware of before adding either protection to your landlord insurance policy. Tenant default cover is designed to pay you the rent you’re owed, if you decide to evict tenants who are behind on the rent. Among other things, you’ll need to serve a Section 21 or Section 8 notice, or both, to claim on this type of cover. Rent guarantee insurance is a different form of protection. It can include cover for properties left unoccupied for a period of time between tenants, as well as instances where the property is uninhabitable due to renovation work, malicious damage or disasters like fire and flooding. It’s often an option you can discuss with a letting agent, who specialises in managing the property for you. Simply Business provides tenant default cover as an option for your landlord insurance policy, but we don’t currently include rent guarantee in our quotes.

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Multiple property landlord insurance – why is it important?

From tenant disputes to property damage, multi-property landlords need peace of mind that all the properties in their portfolio are covered if anything goes wrong. The good news? Whether you need financial support if your property is too damaged or rental indemnity if you have to evict your tenants, landlord insurance is there to protect you against unexpected costs.

compare individual cover for each of your properties to get the best price
up to £50,000 rental indemnity if you have to evict your tenants and recover rent
trusted by over 315,000 landlords for flexible, tailored cover

What does landlord insurance for multiple properties cover?

It’s quick to add covers to your quote and build a policy that suits your needs. As a landlord, you’ll want to consider buildings insurance and contents insurance, as well as accidental damage for spills. Cover for risks like a tenant falling behind on rent is also an option.

Whether you have one property or several, Simply Business can help you. With an individual policy for each property, you can choose the covers you need and the insurance provider that suits. It’s easy to manage and gives you the peace of mind that a claim for one property won’t impact your other properties.

It’s easiest to find the most competitive quote for each property by giving us a call – speak to our multi-property landlord insurance experts on 0330 175 2567 to find out more.

Looking to align a renewal date or move other property policies from another insurance provider? We’re happy to cover any cancellation fees.

Landlords contents insurance

In case disaster hits and your contents get damaged.
Landlord buildings insurance

In case disaster hits and your property gets damaged.
Landlord home emergency cover

In case the boiler fails, or there’s a plumbing or electrical emergency.
Landlord accidental damage insurance

In case your tenant or their guests accidentally damage your property.
Property owners’ liability insurance

In case you’re legally responsible for injuries or property damage, as owner of the building.
Tenant default insurance

In case your tenants don’t keep up their rental payments.
Rental income protection insurance

In case damage to the property stops your tenants trading, and paying rent.
Employers’ liability insurance

In case anyone gets ill or injured while working for your property.
Landlord legal insurance

In case you’re hit with legal expenses as a landlord

Landlords contents insurance

In case disaster hits and your contents get damaged.

What’s typically covered by landlord contents insurance?

Claims against your business for:
- damage to your contents caused by incidents such as fire, flood, or theft
- contents including household goods, furniture, and decorative items
For example :
- your tenant deliberately damages your kitchen
- flooding causes severe damage to the furniture you’ve just bought for the living room
Read more about landlord contents insurance
Landlord buildings insurance

In case disaster hits and your property gets damaged.

What’s typically covered by buildings insurance for landlords?

Claims against your business for:
- a partial or complete rebuild of your property, up to £1 million
- damage caused by a storm, flood, or fire, plus intentional damage caused by thieves or vandals
For example :
- one of your tenants is moving belongings into the loft, but damages the ceiling below by putting too much weight on the non-boarded floor
- thieves break into your property and cause extensive damage to the back door and its frame
- severe subsidence means one of the main walls in your property needs restructuring
Read more about buildings insurance for landlords
Landlord home emergency cover

In case the boiler fails, or there’s a plumbing or electrical emergency.

What’s typically covered by landlord home emergency cover?

Claims against your property for:
- roof damage, making the internal property unsafe or uninhabitable
- domestic gas or electrical supply failure
- contribution towards replacement boiler costs, if it’s beyond economic repair
For example :
- if the heating in your property fails, due to a fuse in your boiler, leaving your tenants without heating in winter
- a storm damages tiles on the roof of your property, causing a leak upstairs
- your old boiler fails, even though it’s had annual servicing, leaving your tenants without heating on a cold weekend
Read more about landlord home emergency cover
Landlord accidental damage insurance

In case your tenant or their guests accidentally damage your property.

What’s typically covered by landlord insurance with accidental damage?

Claims against your business for:
- the cost of replacing contents in your property if your tenants cause any unexpected damage
- someone visiting one of your tenants causes unexpected damage to your property or contents
- the cost of repairing your property or contents if they’re accidentally damaged
For example :
- during a party, someone spills red wine on the sofa you’ve bought for the property
- your tenant drops something on the kitchen floor causing damaging one of the tiles, and it needs to be replaced
- your tenant’s child throws a toy, breaking a light fitting and damaging the TV you’ve installed
Read more about landlord insurance with accidental damage
Property owners’ liability insurance

In case you’re legally responsible for injuries or property damage, as owner of the building.

What’s typically covered by property owners’ liability insurance?

Claims against your business for:
- bodily injuries caused by your property, including fixtures, fittings, and contents
- third-party property damage, caused by your property
For example :
- your tenant slips on a loose piece of carpet, causing long-term back pain
- your ceiling lamp falls on your tenant’s laptop, breaking it in the process
- a delivery person trips on a loose pavement slab at your property and breaks their ankle
Read more about property owners liability insurance
Tenant default insurance

In case your tenants don’t keep up their rental payments.

What’s typically covered by tenant default insurance?

Claims against your business for:
- you will be protected up to £50,000 in case you are forced to evict tenants for nonpayment of rent over the course of a year
For example :
- you’ve set up a payment plan with your tenant, but don’t receive any rent for two months and decide to serve an eviction notice
- your tenants are late on their rent, have only paid part of last month’s agreed amount, and aren’t returning your calls – you serve an eviction notice
- a tenant runs their own business and has had a poor financial year, so you set up a payment plan – but after five missed payments you serve an eviction notice to claim the rent you’re owed
Read more about tenant default insurance
Rental income protection insurance

In case damage to the property stops your tenants trading, and paying rent.

What’s typically covered by rental income protection insurance?

Claims against your business for:
- loss of rent if your property is uninhabitable due to an ‘insured event’ such as a fire, flood, or storm
- damage to your property means you can’t rent it out to new tenants
For example :
- a heavy storm badly damages the roof of your property, so it’s unsafe for tenants to live there until it’s repaired
- your property gets badly flooded, making it uninhabitable for tenants
- you need to recover lost rental income because a fire in the kitchen means your tenants can’t live there and have to move out
Employers’ liability insurance

In case anyone gets ill or injured while working for your property.

What’s typically covered by employers’ liability insurance?

Claims against your business for:
- an injury that happens as a result of working for you (including temps and casual workers)
- an employee, including a contractor or casual labourer, suing you after falling ill because of working for you
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:
- your employee injures their lower back while moving furniture at your premises and holds you responsible
- an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
- a member of staff trips over while unloading business equipment, injuring their knee
Landlord legal insurance

In case you’re hit with legal expenses as a landlord

What’s typically covered by landlord legal insurance?

Claims against your business for:
- negotiating your legal right to evict squatters
- repossessing your home if tenants are refusing to leave
- damage to your property, caused by tenants or their guests
For example:
- a property you’ve been renovating is ready to be rented out, but you find squatters on the property – you ask them to leave, but they refuse
- your tenants stop paying rent and you need to evict them, in order to have control of the property and get it ready for re-listing
- during a routine inspection you find out that your tenants have damaged some expensive appliances beyond repair, which will need replacing
Read more about landlord legal insurance

How much does multi property landlord insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £13.61 per month

Get tailored quotes in 7 minutes – prices are guaranteed for 30 days.

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*The price is for building and £2 million property owners’ liability insurance only – 10% of customers paid £163.27 or less annually in 1st Feb – 30th April 2025. Equivalent to £13.61 a month (and excludes the extra costs for paying monthly). If you complete a quote, more types of cover will be available, including up to £5 million of property owners’ liability insurance. These all have additional costs.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover	Lowest excess	Highest excess
Main Building	£100	£2,500
Fixtures & fittings	£100	£2,500
Landlord contents	£100	£2,500
Accidental damage	£100	£500
Landlord liability	No excess	£500

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

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How do insurance claims work for multiple property landlords?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£68 million in claims paid out in 2024

76% of claims were settled in 2024.

The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.

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Multi property landlord insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

What insurance do I need as a landlord?

You aren’t legally required to take out a specific landlord policy, but remember – a conventional home insurance policy won’t cover you for rental activities, and a mortgage lender will usually demand you have specific landlord cover in place, before you let your property.

Popular covers include property owners’ liability and contents insurance, for accidents on your property, plus buildings cover to protect the property itself.

Is landlord insurance required by law?

As we’ve outlined above, there’s currently no legal obligation to take out a dedicated landlord insurance policy. However, a home insurance policy won’t cover you for the specific risks you and your tenants face, and a mortgage lender will usually require you to have buy-to-let insurance in place too, before renting out your property.

If you employ people, you’re required by law to have employers’ liability insurance.

Do landlords need contents insurance?

Rent guarantee cover and tenant default – what’s the difference?

Rent guarantee and tenant default cover are often misunderstood as being the same thing. Both of these covers are designed to protect a landlord’s income if their tenant stops paying rent – however, there are key differences which you should be aware of before adding either protection to your landlord insurance policy.

Tenant default cover is designed to pay you the rent you’re owed, if you decide to evict tenants who are behind on the rent. Among other things, you’ll need to serve a Section 21 or Section 8 notice, or both, to claim on this type of cover.

Rent guarantee insurance is a different form of protection. It can include cover for properties left unoccupied for a period of time between tenants, as well as instances where the property is uninhabitable due to renovation work, malicious damage or disasters like fire and flooding. It’s often an option you can discuss with a letting agent, who specialises in managing the property for you.

Simply Business provides tenant default cover as an option for your landlord insurance policy, but we don’t currently include rent guarantee in our quotes.

What property types are covered with landlord insurance?

We provide cover for a range of property types, including:

terraced and end terrace houses
semi-detached houses
detached houses
bungalows
maisonettes
individual flats in purpose-built blocks or buildings
individual flats in converted buildings or houses
entire purpose-built buildings with multiple flats
entire converted buildings or houses with multiple flats

What’s the difference between paying by Direct Debit and paying in one lump sum?

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

one-off credit or debit card payment
BACS payment
Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

This content has been created for general information purposes. Make sure you have the right level of landlord insurance by checking your policy documentation for details. Read our full Terms and Conditions.

Multi property landlord insurance

Multiple property landlord insurance – why is it important?

What does landlord insurance for multiple properties cover?

Landlords contents insurance

What’s typically covered by landlord contents insurance?

Landlord buildings insurance

What’s typically covered by buildings insurance for landlords?

Landlord home emergency cover

What’s typically covered by landlord home emergency cover?

Landlord accidental damage insurance

What’s typically covered by landlord insurance with accidental damage?

Property owners’ liability insurance

What’s typically covered by property owners’ liability insurance?

Tenant default insurance

What’s typically covered by tenant default insurance?

Rental income protection insurance

What’s typically covered by rental income protection insurance?

Employers’ liability insurance

What’s typically covered by employers’ liability insurance?

Landlord legal insurance

What’s typically covered by landlord legal insurance?

How much does multi property landlord insurance cost?

Prices start from £13.61 per month

What kind of excess should I expect?

How it works

Pick what goes into your policy

Get prices from a range of insurers

Buy online in minutes

Talk to an expert

Online

Phone

FAQs

How do insurance claims work for multiple property landlords?

£68 million in claims paid out in 2024

Compare and buy in minutes

Rated 4.5/5

Here to help

24/7 claims

Multi property landlord insurance FAQs

Helpful articles for multi-property landlords

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