How many properties do I need for portfolio insurance?

Most portfolio policies become available from four or more properties. Some insurers will consider smaller portfolios of two or three properties, particularly if they are of higher value or specialist type.

Can I add and remove properties during the policy year?

Yes. Properties can typically be added or removed mid-term with a premium adjustment. Your broker handles the administration with the insurer on your behalf.

Does portfolio insurance cover HMOs?

Some portfolio policies include HMOs, others require a separate specialist policy. We will advise on the most appropriate structure for your portfolio mix.

What if my properties have different rebuild values?

Each property will be insured for its individual rebuild cost. It is important that rebuild values are accurate and reviewed regularly — under-insurance at any individual property level can affect claims settlements. We recommend a professional rebuild cost assessment for higher-value properties.

Is property portfolio insurance more expensive than individual policies?

Not necessarily. Insurers assess the portfolio as a whole rather than each property in isolation, which can produce more competitive terms than the sum of individual policies — particularly for larger portfolios with a spread of property types and locations. The key driver of premium is the overall risk profile of the portfolio, including claims history, property types, tenant mix, and geographic spread.

Property Portfolio Insurance for UK Landlords

Property portfolio insurance for landlords with multiple properties. A single policy covering your entire portfolio can simplify administration and may offer competitive terms. FCA-regulated broker.

Cover is subject to underwriting, insurer terms and acceptance