Your guide to landlord insurance
If you still have questions about landlord portfolio insurance – or just landlord insurance in general – find out more on the guide.
Read moreLandlord portfolio insurance
Despite the multiple, complex and changing risks represented by your property portfolio, we'll help you to find a simple insurance solution shaped around your needs.
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0333 234 0039
What does multi property landlord insurance cover?
Arranging a simple landlord insurance solution is easy when we work together. Our expert UK based property team will ensure all of your properties are covered under one policy, cutting down on your paperwork with just one renewal date for all of your properties each year. Our landlord portfolio insurance can provide:
Buildings and contents insurance
Cover for buildings as well as £5,000 contents cover per property, subject to a policy excess specified within the policy documents.
Accidental and malicious damage
Cover for a wide range of tenants, including students, housing association tenants, HMO's and local-authority lets against accidental and malicious damage.
Pet damage
We’re proud to support the Lets with Pets scheme from Dogs Trust, offering expert landlord insurance with pet damage included as standard.
Up to 120 days unoccupancy
Cover for up to 120 consecutive days during which the property is unoccupied. Additional conditions apply after 30 days
Property owner's liability
Up to £10 million property owner's liability/public liability, subject to a policy excess specified within the policy documents
Loss of rent
Loss of rent and alternative accommodation (following an insured event)
Landlord portfolio insurance FAQs
Not sure whether you need portfolio insurance for your let properties? Here we’ve answered some of your most frequently asked questions about landlord portfolio insurance.
Who needs landlord portfolio insurance?
Landlords that need to cover multiple properties with one policy
Landlord portfolio insurance is particularly convenient for landlords who have multiple properties and would like to cover them all on a single property portfolio insurance policy
Landlords who expect to see change in the future - to one property, to their whole portfolio, to legislation or to tenants
Landlords who rent out multiple property types
They may have a mixture of property types - such as residential, commercial, unoccupied properties or blocks of flats that they are looking to insure with one simple landlord insurance policy
Can I make changes to my portfolio throughout the year?
One of the main benefits of taking out landlord portfolio insurance is that your policy can be easily updated throughout the year to reflect your changing portfolio. All you have to do is speak to one of our expert let property consultants to easily add or remove properties from your policy, only paying for the time that the properties are on cover (pro-rata).
Will I be covered if I let to tenants with pets?
The government has recently updated their model tenancy agreement with the primary aim being to support people with pets become eligible to rent. While use of the model tenancy agreement is entirely voluntary, if you’re not currently allowing lets with pets it could be a good time to re-think your stance.
The tenants with pets market is vast. Any landlord looking to rent their house quickly could increase their reach dramatically by advertising their properties as pet-friendly. Equally, the model tenancy agreement already includes rules to protect properties from poorly-behaved pets - so you could find that the financial reward of filling properties quickly far outweighs the losses caused by a boisterous pet.
If you do decide to let to tenants with pets, landlord insurance with Endsleigh gives you peace of mind that you’re covered against pet damage at no extra charge. Speak to our specialist property team for a quote.
Do I need to insure my residential and commercial properties separately?
Our landlord portfolio policies offer cover for both commercial and residential properties, as well as properties that are both commercial and residential (such as a shop with a flat above it). This means that you can keep all of your properties covered under one roof without too much paperwork!
How do I arrange landlord portfolio insurance?
Arranging buildings and contents insurance for your entire let property portfolio is easy with Endsleigh. Simply contact our expert landlord insurance team on 0333 234 0039 or arrange for us to call you by filling out this form. Once you’ve given us the details of your portfolio – things like the construction type of your properties, what types of tenants are living there and whether they have pets – we’ll approach a panel of specialist insurers to find out best price for you. Once you’ve got your quote, simply tell us when you want to go ahead and we’ll get your policy set up quickly and easily.
Can I add extra covers to my landlord portfolio insurance?
Yes, there are a number of additional covers available for portfolio landlords, including:
Employers’ liability insurance
Are you renting out a commercial property? Get protection against financial losses that may occur if an employee experiences an injury or illness in the workplace, including defence or settlement claims.
What is landlord employers’ liability insurance?
Extended legal expenses cover
Including cover for tenant disputes, e.g. the legal costs and expenses that may arise if you are required to defend yourself in court
What is landlord legal expenses cover?
Terrorism cover
We can also provide terrorism cover which provides protection for damaged or destroyed property as a result of an act of terrorism. This includes cover for buildings, equipment, furnishings and inventory.
Why Endsleigh for landlord portfolio insurance?
With over 25 years' experience in the landlord market, we understand the needs of landlords and how their property portfolios can vary. Our specialist UK-based property team will work with you to shape the right solution for your properties. Got a large portfolio of 5 or more properties? We can provide flexible multi property insurance that will protect against accidental and malicious damage as well as pet damage when you take out cover with NIG.
Interested in landlord portfolio insurance? You might also be interested in...
Residential landlord insurance
Up to 20% discount when you get combined buildings and contents cover with Endsleigh!
Commercial property insurance
Cover for commercial landlords who let properties for business purposes, such as shops, florists and more.
Block of flats insurance
If you’re a landlord, leaseholder or management company, we provide flexible cover for blocks of flats.
Non-standard landlord insurance
Cover for non-standard properties with a history of subsidence or flooding.
Student landlord insurance
Landlord cover from the UK’s No. 1 student insurance provider, including up to £25k malicious damage cover.
Lets with Pets insurance
Landlord insurance with pet damage cover, in support of the Dog's Trust Lets with Pets scheme.
Need to contact us?
Our friendly team are ready to talk to you:
Monday-Friday, 9am-5:30pm
Call us on 0333 234 0039