Property Portfolio Insurance

The term portfolio insurance is often used for landlords with multiple properties. It’s a way for them to receive one policy, rather than a separate policy for each one in their portfolio. Property management is often a full-time job – there are contracts to sort out, tenants with different demands, and maintenance issues across several properties.

Managing an insurance policy for each property you lease shouldn’t be your top priority when you have so much else to do. Therefore, we offer specialist multi-property landlord insurance, which enables you to insure all of your properties – both commercial and residential – under one policy. As a result, you don’t have to request individual quotes, and you will only have one payment and renewal per year.

It may be beneficial for a landlord with four or more rental properties to have them all insured under a multi-property policy. you may own a mixture of properties – such as residential, commercial, or blocks of flats however these may all be covered with one simple landlord insurance policy and one single renewal date.

You can easily update your policy throughout the year to reflect your changing portfolio, which is one of the main benefits of taking out landlord portfolio insurance. Your insurance will not be restrictive and you will be able to change it as you buy and sell properties.

Insurance for multiple properties covers all the same things that landlord’s insurance does. Often the only difference is that the coverage is for more than one property.

Buildings Insurance

Having building insurance is essential if you own several properties. This ensures that if your building is damaged, you can cover the costs and have the work done as quickly as possible. We cover all major risks, such as fire, theft, and flood. Our policies also include accidental damage, theft, and malicious damage.

Owners Liability Insurance

You have a legal obligation to ensure the safety of your tenants and those who may visit your properties; if a person is injured on your property or grounds as a result of your negligence, then you could face legal action. For residential rental purposes, Property Owners Liability Insurance provides protection against these claims.

Loss of Rental Income

When the property becomes uninhabitable due to an insured event (for example fire), it will not be fit for occupation and you may lose your rental income as a result. If the Landlord is unable to collect rent whilst damages are being repaired, the loss of rent cover within the policy will make sure you don’t lose out whilst the building is repaired.