Multi-property landlord insurance

Multi-property landlord insurance is a solution for landlords who need to cover multiple properties with one insurance policy.

It can be beneficial for multi-property landlords who expect to see change in the future - to their properties, to legislation or to tenants. And also landlords who rent out multiple property types, for example residential properties, commercial properties, unoccupied properties or blocks of flats.

Our multi landlord insurance is very versatile and can include a variety of property types, including residential and commercial lets, as well as blocks of flats.

Our multi-property insurance can provide cover for:

• Buildings insurance

• Landlord contents insurance - Any contents in the rental property that you own, up to £5,000 per property

• Accidental damage

• Malicious damage

• Property owners’ liability insurance up to £10 million

• Up to 120 days unoccupancy if you decide to sell or renovate the property or have a gap between tenants

• Loss of rent and alternative accommodation cover

• Our NIG policies include cover for pet damage to your buildings and contents as standard

• Some of our insurers also provide a discount for adding multiple properties to your insurance policy

The main benefit of landlord insurance for multiple properties is having everything under one roof. This means that you have one renewal date for all your properties – saving a lot of time and hassle when renewing and making changes to your multi-property policy.

It could also be more cost effective to cover all your properties under the same insurance policy, as you may be able to access discounts on your premium the more properties you let.

One of the main benefits of taking out landlord insurance for multi-properties is that your policy can be easily updated throughout the year to reflect your changing circumstances. 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).

If you decide to let to tenants with pets, Endsleigh’s landlord insurance via NIG 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, mentioning that you’d like to include pet damage cover on your insurance policy.

Whether you let to tenants with pets is your decision – but it’s worth bearing in mind that the government's model tenancy agreement aims to support people with pets becoming eligible to rent. Use of the model tenancy agreement is entirely voluntary - however if you’re not currently allowing lets with pets, it could be a good time to re-think your stance.

Our landlord multiple property insurance offers 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!

Arranging landlord's insurance for multiple properties 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 properties – 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.

Yes you can, although you would need to arrange two separate policies, which could still renew on the same day. If you have any specialist or non-standard properties you need to insure (such as properties that will be unoccupied long-term or are being let as holiday homes), these may need to be covered separately as well.

Speak to one of our expert consultants to find out how to protect your properties with multiple property landlord insurance with Endsleigh.

Yes, there are a number of additional covers available for landlords with multiple properties, 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.

With over 25 years' experience in the landlord market, we understand the needs of landlords and how they can vary. Our specialist UK-based property team will work with you to shape the right solution for your properties.

Got five or more properties? We can provide flexible multi-landlord insurance that will protect against a range of circumstances (such as accidental damage and malicious damage, as well as pet damage when you take out cover with NIG).

If you still have questions about landlord insurance for multiple properties, find out more in our guides.

What insurance do I need for a furnished property?

How do I work out rebuild cost?

What types of landlord insurance are there?

What does landlord home emergency cover?

What is landlord liability insurance?

A building valuation will provide an accurate reinstatement cost for your rental property giving you the information you need to request the right amount of cover from your broker.

BCH is a RICS-regulated company that provides building insurance rebuilding cost valuations via desk-based e-valuations or site-based reinstatement cost assessments (RCA).

Find out more about building insurance valuation services today.