Multi property landlord insurance
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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.
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Landlords contents insurance
In case disaster hits and your contents get damaged.
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Landlord buildings insurance
In case disaster hits and your property gets damaged.
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Landlord home emergency cover
In case the boiler fails, or there’s a plumbing or electrical emergency.
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Landlord accidental damage insurance
In case your tenant or their guests accidentally damage your property.
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Property owners’ liability insurance
In case you’re legally responsible for injuries or property damage, as owner of the building.
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Tenant default insurance
In case your tenants don’t keep up their rental payments.
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Rental income protection insurance
In case damage to the property stops your tenants trading, and paying rent.
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Employers’ liability insurance
In case anyone gets ill or injured while working for your property.
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Landlord legal insurance
In case you’re hit with legal expenses as a landlord
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 £14.20 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
*The price is for building and £2 million property owners’ liability insurance only – 10% of customers paid £170.45 or less annually in 1st Jan – 31st May 2024. Equivalent to £14.20 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.
How it works
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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.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
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 24/04/2024.
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.
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.
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.
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.
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.
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
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.
