Frequently asked questions:
What is multi property insurance?
When you’re managing several properties as a landlord, keeping track of multiple insurance policies can be stressful and time-consuming.
With landlord multiple property insurance, you can cover several properties for various requirements under one policy.
Having multiple properties covered under one policy can help you stay on top of renewals and avoid accidental lapses. In many cases, you’ll only have one policy payment and renewal date to consider.
What does multi property insurance cover?
The level of cover a multi property landlord insurance policy provides can depend on your requirements and the specific products you choose.
A multi landlord insurance policy can include a combination of property insurance products:
- Landlord insurance: This type of cover can provide financial protection against accidental or malicious damage by tenants, or unauthorised property alterations.
- Holiday home cover: Based on your requirements. Typically, holiday home insurance can provide protection against accidental damage, theft, or malicious damage caused by your guests.
- Unoccupied property insurance: This type of cover can provide financial protection for damage caused during void periods between tenants.
What’s not covered
While multi property landlord insurance can vary depending on your requirements, common policy exclusions may include:
- Certain natural disasters that result in flooding or external property damage
- Contents or possessions that belong to your tenants
- Wear and tear or damage caused by poor property maintenance or neglect
Policy limits and exclusions may apply. Please see the policy wording for full terms and conditions.
Why do you need multi property landlord insurance?
You can arrange separate policies for each home you own. However, with multi property landlord insurance, you can manage your cover for every property all in one policy.
Landlord insurance for multiple properties comes with a range of benefits, which include:
- Potentially lower premiums and policy costs by bundling all your cover requirements into one policy.
- Easier policy management as you can track and handle everything under one agreement.
- Flexibility as you can arrange cover for multiple property types such as houses, flats, student lets, HMOs (houses of multiple occupancy), and holiday homes.
What properties are covered by multi property insurance?
Landlords can get protection for a variety of properties under one policy. Here are the most common properties landlord portfolio insurance can cover:
- Private lets: Protection and cover for private buy-to-let properties including flats and houses.
- Holiday homes: Protection and cover for owners of holiday homes across the UK.
- Holiday lets: Protection and cover for landlords who let properties out as holiday rentals
- Second homes: Protection and cover for owners of second homes.
How much does multi property insurance cost?
The price of your multi property landlord insurance can depend on the size and diversity of your portfolio. For instance, you may require a mix of landlord insurance, unoccupied property insurance, and UK holiday home insurance.
In addition to the scope of your insurance requirements, the number of properties you’re looking to insure can also affect the cost of your multi property landlord insurance policy.
Why choose Just Landlords for multi property landlord insurance?
Choosing a specialist insurance provider can make a big difference when you have multiple properties. Here’s why many landlords turn to Just Landlords:
- Rated Excellent on Trustpilot*, with over 1,000 reviews
- Over 25 years of experience providing landlord insurance
- An in-house customer service and claims team based in Nottingham
- Friendly support available by phone, LiveChat, or email
- 40 covers included as standard in our landlord insurance policy
*Correct as at October 2025.
Multi property insurance: Frequently asked questions
Below are some frequently asked questions about multi property landlord insurance. These are for general guidance only and shouldn’t be relied upon as a substitute for policy wording. For full details specific to your situation, please contact Just Landlords.
Is multiple property landlord insurance a legal requirement?
No, multiple property landlord insurance isn’t an official legal requirement in the UK. However, securing multi property landlord insurance can help protect you against the potential risks of letting out several properties.
Securing a suitable landlord portfolio insurance also helps to make tracking and managing claims or payments easier and less time-consuming.
How do I cover multiple properties on one policy?
You can fill in our online quote form to obtain a quote for multiple properties. When you get to the ‘Property details’ step, select ‘yes’ for the question ‘Do you want to add another property on this quote?’. You will then proceed to the ‘additional property details’ step once the rest of the page has been filled in and you click the ‘next’ button.
What if I have different property types?
We can cover a range of property types, including bungalows, flats, terraced, semi-detached, and detached houses. They can be used as holiday homes, holiday lets, second homes, residential lots, or unoccupied.
What if I have different tenant types?
We aim to provide quotes for properties let to any tenant type. We can provide cover for homes let to students, those receiving benefits, asylum seekers, or working/retired tenants. If you’re unsure, either fill in our quote form or get in touch with our team via LiveChat, and we’d be happy to check for you.
What happens if my quote goes to referral?
When you fill in our quote form, certain information you provide may require your quote request to be referred to our in-house underwriting team. This is so they can take a closer look at the cover you require to ensure our policy can provide suitable cover for your needs before offering a quote. We aim to respond to you via email by the end of the next working day.
Can I update my policy partway through the period of cover?
With our policies, mid-term adjustments are possible. If anything about the properties on your policy changes, you can use our Amend a Policy form. Here, you can do the following:
- Add a property to your policy
- Change the tenant type of an insurance property
- Notify us that a property is now unoccupied
- Remove a property from your policy
- Increase or decrease the sum insured for a property
Any other amendments you have can also be requested by typing out as much information as possible on our form. We will review your amendment or notification request and contact you should we have any questions or require more information.
You should note that in all instances any amendments will only take effect from the time and date we have reviewed and accepted your amendment and/or notification request and you have accepted any additional premium that may become due to be paid. We will notify you of any additional premium when we contact you.
How can I make a claim for one of the properties covered by multi property insurance?
If you need to make a claim for any of the properties included in your insurance policy, you can visit our How to Make a Claim page. Here, you will find information on how to fill in a claim form and who to contact. We have an in-house claims team to help you through this process.
What if one or more of my properties become unoccupied?
If any of your properties that are insured by us become unoccupied, get in touch to let us know. You can do this via the Amend a Policy form on our website. We may be able to adjust your policy so that the property in question is covered under our Unoccupied Property Insurance instead.
Can I adjust my policy if I sell a property?
If you no longer own a property insured by us, you can let us know that you wish to remove the property from your policy. Your multiple property insurance will be adjusted to reflect that the property in question is no longer covered by us. You will get confirmation of this change via email.
Looking for suitable property insurance?
We can provide cover for the following:
