Managing multiple rental properties requires more than just experience it demands the right protection. Multi property landlord insurance provides comprehensive cover for landlords with portfolios, streamlining policy management while safeguarding assets against risks like fire, theft, and tenant damage.
In the UK’s evolving rental market, choosing the right provider is crucial. This guide explores the top five multi property landlord insurance providers for 2025, helping landlords make informed decisions for long-term security and peace of mind.
What Is Multi Property Landlord Insurance?
Multi property landlord insurance is a single policy that covers two or more rental properties owned by the same landlord. This approach is designed for efficiency and cost-effectiveness, eliminating the need to manage separate insurance policies for each individual property.
It is particularly useful for landlords who own a mix of property types such as flats, houses, HMOs (houses in multiple occupation), and commercial units. With one central policy, landlords can easily manage renewals, track claims, and adjust coverage as their portfolio changes.
This type of insurance offers flexibility, often allowing landlords to add or remove properties during the policy term. It also allows for consistency in cover limits and policy conditions across the entire portfolio.
Multi property policies are generally suitable for:
- Professional landlords with three or more properties
- Buy-to-let investors
- Letting agents managing landlord portfolios
What Are the Key Features of Multi Property Insurance Policies?
Multi property landlord insurance policies typically include a broad range of protections that can be tailored to fit a landlord’s portfolio.
- Buildings Cover protects the structure of the buildings against damage caused by fire, flood, storm, vandalism, and subsidence. This is a core feature in most policies.
- Landlord Liability Insurance is included in most comprehensive packages. It offers protection if a tenant or visitor suffers injury or property damage and holds the landlord responsible.
- Loss of Rent Cover applies when a property becomes uninhabitable due to an insured event, such as fire or flood, and rental income is temporarily lost.
- Accidental and Malicious Damage cover can be added to protect against intentional or unintentional damage caused by tenants or third parties.
- Contents Insurance is useful for furnished properties, covering items such as appliances, furniture, and fittings that belong to the landlord.
- Alternative Accommodation Cover may be included if tenants need to be rehoused while repairs are made to the property.
- HMO and Unoccupied Property Options can be added in specialised policies to account for higher-risk property types or vacancies in the portfolio.
What Are the Benefits of Having One Policy for Multiple Properties?
Using one policy to insure multiple properties simplifies the entire insurance process for landlords. It helps with financial management and long-term planning.
Key benefits include:
- Easier policy administration with one renewal date and single documentation
- Cost savings through portfolio discounts or bundled cover options
- Ability to customise coverage based on the landlord’s unique needs
- Reduced chance of coverage gaps across properties
- Centralised claims process for events affecting multiple properties
For landlords with medium to large portfolios, these benefits can result in considerable savings in both time and money.
Top 5 Multi Property Landlord Insurance Providers in the UK for 2025
1. AXA – Comprehensive Multi-Property Cover with Exclusive Discounts
AXA offers one of the most streamlined and flexible multi-property landlord insurance policies in the UK, aimed at landlords who want simplicity and security when managing up to 10 properties.
AXA’s multi-property landlord insurance is designed to help landlords keep all their properties under a single policy. Instead of juggling multiple renewals and paperwork, landlords can manage their portfolio in one place with one payment and one renewal date.
Key Highlights:
- Up to 10 properties can be insured under one policy
- Properties can be added at the start or during the policy term
- 0% interest on monthly instalments
- 20% discount for new customers using promo code LLSAVE20 (valid until 31st October 2025)
- Dedicated online account to manage properties and policies
AXA’s policy includes core protections that are essential for landlords managing a range of property types. It covers key elements such as:
- Buildings insurance for damage caused by fire, flood, or storms
- Contents cover for landlord-owned fixtures and fittings
- Property owners’ liability in case of injury or damage claims from tenants or visitors
- Alternative accommodation cover if a property becomes uninhabitable
- Underground services cover, including cables, gas, water, and electrical pipes
- Subsidence and ground movement cover, often required by mortgage lenders
Optional Add-ons:
- Loss of rental income (not included as standard)
- Glass replacement through a 24-hour repair service
AXA also allows landlords to:
- Add properties to their policy after the initial setup by logging into their account
- Mix different property types under the same policy (e.g. 6 flats and 4 houses)
Pricing Structure:
AXA provides competitive pricing, with landlord insurance starting from £164 per year for a single property. For multi-property cover, premiums vary depending on:
- Number of properties
- Property type (e.g. house, flat)
- Location and tenant type (e.g. students, professionals)
- Furnishing status of the property
A full breakdown of per-property costs is provided at the quote stage, ensuring transparency.
Summary Table – AXA Multi Property Insurance
| Feature | Availability |
| Maximum properties per policy | 10 |
| Online property management | Yes |
| Monthly instalments | 0% interest |
| Discount for new customers | 20% (LLSAVE20, until 31 Oct 2025) |
| Add properties mid-term | Yes |
| Covers student tenants | Yes |
| Subsidence and underground pipes | Included |
| Rent guarantee | Optional |
| Glass replacement | Optional |
AXA scores high for simplicity, reliability, and digital convenience, making it ideal for landlords looking to insure multiple residential properties efficiently with well-rounded coverage.
2. Simply Business – Flexible Cover with Access to Trusted Insurers
Simply Business is a broker rather than a direct insurer, offering multi-property landlords access to a wide panel of insurance providers. With over 315,000 landlords already on board, it is one of the UK’s most popular choices for tailored landlord cover.
Landlords can compare quotes for each property and select the specific covers they need, ensuring that they only pay for what’s essential. This flexibility is especially useful for landlords with varied property types or unique portfolio structures.
Key Highlights:
- Compare quotes from multiple insurers in under 7 minutes
- Policies start at £13.61 per month (based on 10% of customer data)
- UK-based customer support available online and by phone
- Claims handled 24/7, with 80% of settled claims paid within 24 hours
- Rated 4.5/5 on Feefo with nearly 40,000 reviews
What It Covers:
Simply Business allows landlords to tailor policies with core and additional protections, including:
- Buildings and contents insurance
- Accidental damage cover
- Rental indemnity up to £50,000
- Tenant default protection
- Legal expenses cover
Each property is individually underwritten, so claims made on one will not impact the premiums or coverage of the others.
The platform also helps with policy administration tasks, such as aligning renewal dates across properties and consolidating existing policies from other providers. They even offer help in covering cancellation fees when switching.
Excess Structure:
Simply Business provides flexibility in excess amounts, giving landlords control over how much they pay upfront in the event of a claim. The table below outlines common excess levels:
| Type of Cover | Lowest Excess | Highest Excess |
| Main Building Cover | £100 | £2,500 |
| Fixtures & Fittings | £100 | £2,500 |
| Landlord Contents | £100 | £2,500 |
| Accidental Damage | £100 | £500 |
| Landlord Liability | £0 | £500 |
These figures vary depending on the insurer selected, and a detailed excess breakdown is provided at the quote stage.
Additional Benefits:
- Policy customisation by property
- Cover for mixed portfolios (e.g. commercial and residential)
- Option to compare cover vs cost for each property
- Same-day documents once the policy is purchased
- Support available 6 days a week via phone or online chat
Summary Table – Simply Business Multi Property Insurance
| Feature | Availability |
| Compare quotes from multiple brands | Yes |
| Tailored policy per property | Yes |
| Starting monthly premium | £13.61 per month |
| Rental indemnity cover | Up to £50,000 |
| Accidental damage & legal cover | Optional |
| 24/7 claims support | Yes |
| Renewal alignment & switching support | Yes |
| Multi-property support via experts | Yes |
Simply Business stands out for landlords who want flexibility, control, and access to a wide range of trusted insurers. It is particularly useful for landlords who have properties with different usage types, tenant profiles, or insurance needs.
3. Direct Line – Multi-Property Insurance for Large Residential Portfolios
Direct Line offers one of the most extensive and award-winning multi-property landlord insurance solutions in the UK, catering to landlords with larger residential portfolios.
Recognised as the Best Landlord Insurance Provider for 13 consecutive years at the What Mortgage Awards, it has earned trust from over 350,000 insured properties across the country.
With the ability to insure up to 15 properties under a single policy, Direct Line simplifies the process of portfolio management, providing landlords with flexible, affordable cover and a number of useful policy features.
Key Highlights:
- Insure up to 15 residential properties under one policy
- 25% minimum discount on each property added (excluding the highest-priced)
- No admin fees for making changes, including adding or removing properties
- One renewal date for all properties
- 0% APR on monthly payments for the first year (subject to eligibility)
- Access to 24/7 legal advice via ARAG Businesslaw
- Online account for managing policies, renewals, and claims
The ability to save quotes and complete them at your own pace is ideal for landlords who are gradually building their portfolio or undergoing tenant changes. You don’t need to add all properties at once, and you can return to complete your quote any time.
Standard Inclusions:
- Buildings and contents insurance (available separately or together)
- Public liability cover of £2 million as standard (option to increase to £10 million)
- Boiler breakdown cover included with buildings insurance (subject to £200 excess)
- Replacement locks and keys for both buildings and contents cover
- Alternative accommodation for tenants if the property becomes uninhabitable
- Glass and sanitary ware cover for both internal and external damage
- Unlimited legal helpline access and legal documents for landlords
Direct Line also provides excellent digital access, allowing landlords to initiate a claim online without calling. This adds convenience for busy landlords who prefer managing everything digitally.
Optional Extras:
For landlords looking to customise their policy further, Direct Line offers a range of optional covers at an additional cost, including:
- Legal expenses (includes eviction support, tax protection, repossession cover)
- Rent guarantee for unpaid rent and legal costs (available only with legal expenses)
- Landlord emergency cover, providing 24/7 call-outs for insured emergencies (up to £1,500 per claim)
- Accidental damage for buildings and contents
- Malicious damage or theft by tenants
- Loss of rent due to uninhabitable properties
- Personal accident cover for landlords aged 16–75
- Terrorism cover (excludes Northern Ireland, Isle of Man, Channel Islands)
- Employers’ liability insurance, if employing staff for property maintenance
Property Types Supported:
- Residential properties (up to 15 per policy)
- Mixed portfolios, including commercial, subject to terms and separate discussion
- Flexibility to switch tenant types and update limits mid-policy, without admin charges
Summary Table – Direct Line Multi Property Insurance
| Feature | Availability |
| Maximum number of properties | 15 residential |
| Multi-property discount | Minimum 25% per property added |
| Policy admin changes | Unlimited, no admin fees |
| Rent guarantee cover | Optional, via legal expenses add-on |
| Landlord emergency cover | Optional, up to £1,500 per claim |
| Monthly payments | 0% APR for first year |
| Boiler and lock cover | Included with buildings insurance |
| 24/7 Legal advice and documents | Included via ARAG Businesslaw |
| Terrorism cover | Optional |
Direct Line is well-suited to landlords managing larger residential portfolios who want stability, flexibility, and a highly respected provider. With generous discounts and robust policy options, it offers excellent value and comprehensive protection for both new and established landlords.
4. Endsleigh – Student & HMO Specialist Insurance with Multi-Property Support via Protect My Let
Endsleigh, in partnership with Protect My Let, offers tailored multi-property landlord insurance solutions that are particularly well-suited for landlords managing student housing, HMOs, and other specialised rental types.
This partnership brings the expertise of Howden Group into the landlord space, providing landlords with access to flexible cover for a wide range of tenants and properties.
Endsleigh focuses on reducing the paperwork and administrative burden of portfolio management. By insuring multiple properties under a single policy, landlords can benefit from one renewal date, streamlined claims, and consistent protection levels across all their properties.
Key Highlights:
- Portfolio insurance that allows all properties to be managed under one policy
- Designed for landlords of student lets, HMOs, housing association tenants, and local authority lets
- Up to £25,000 contents cover per property
- Up to 90 days of unoccupancy cover
- Easy mid-term property additions or removals
- Personalised service provided via Protect My Let
The policy includes a wide range of protections commonly needed by landlords with high-tenant turnover or riskier lets.
Core Policy Inclusions:
- Buildings and contents insurance with customisable limits
- Accidental and malicious damage caused by tenants or third parties
- Landlord liability insurance for tenant or visitor injury claims
- Loss of rent and alternative accommodation cover following an insured event
- Coverage for properties left unoccupied for up to 90 days
- Support for multiple tenant types, including DSS, students, and housing authority placements
This kind of coverage is ideal for landlords operating in student cities or urban centres where high tenancy turnover and seasonal occupation can increase risks.
Flexibility & Additional Benefits:
- Add or remove properties at any time during the policy period
- One central renewal date simplifies administration
- Mid-term adjustments are straightforward and designed to reduce disruption
- Claims process supported by Protect My Let’s dedicated team
- Contents cover can be increased based on tenant profile or furnishing level
Endsleigh also offers insurance products for:
- Residential landlords with single lets
- Commercial property owners
- Blocks of flats and management companies
- Non-standard and high-risk properties (e.g. those with a history of subsidence or flooding)
- Landlords who let to pet owners or students
Summary Table – Endsleigh (via Protect My Let)
| Feature | Availability |
| Buildings and contents cover | Included |
| Maximum contents cover per property | £25,000 |
| Accidental and malicious damage | Included |
| Liability insurance | Included (limit specified by policy) |
| Loss of rent | Included (post-insured event) |
| Unoccupied property cover | Up to 90 consecutive days |
| Tenant types supported | Students, DSS, housing authority |
| Mid-term property updates | Allowed with ease |
Endsleigh, through Protect My Let, delivers a solid insurance offering for landlords who manage properties with more complex requirements. Whether it’s HMOs, students, or housing association tenants, their focus on flexibility and portfolio efficiency makes them a preferred choice in specialist rental markets.
5. Towergate Insurance – Tailored Multi-Property Cover from a Specialist Broker
Towergate Insurance is one of the UK’s leading independent insurance brokers, offering a specialist multi-property landlord insurance service tailored for landlords managing both residential and commercial portfolios.
With access to a wide panel of trusted insurers such as AXA, Covea, NIG, and ARO Underwriting, Towergate is well-positioned to provide flexible, competitively priced cover for landlords with complex needs.
Their approach combines personal service with portfolio flexibility, making them particularly suited for landlords who need support beyond what a standard online provider can offer.
Key Highlights:
- Insure multiple properties under one tailored policy
- Add properties at any time, while retaining one central renewal date
- Access to competitive quotes from a panel of UK insurers
- Split payments over 10 monthly instalments via Direct Debit
- Dedicated advice line for policy customisation and portfolio growth
- Feefo customer satisfaction rating of 4.6 out of 5 (based on over 4,000 reviews)
Towergate is ideal for landlords looking to work directly with insurance advisors to create bespoke policies that reflect the scale, structure, and risks of their property portfolio.
Standard Policy Features:
Towergate’s multi-property landlord insurance typically includes:
- Buildings insurance for structural damage from fire, flood, storm, or subsidence
- Contents insurance, offering up to £25,000 per property (subject to underwriting criteria)
- Cover for a wide range of tenants, including students, housing association placements, and unoccupied properties
- Malicious and accidental damage cover (available as standard or optional)
- Loss of rent cover if a property becomes uninhabitable due to an insured event
- Landlord liability insurance, typically covering injury or damage claims made by tenants or third parties
- Subsidence cover, which can be included depending on risk and location
Towergate allows for a high level of flexibility and offers support throughout the policy term, not just at the point of sale. Landlords can contact the team to make changes, get quotes for additional properties, or discuss specific cover requirements.
Optional Add-Ons:
Towergate provides several optional extras that can be added to the policy depending on your needs:
- Towergate Assist – A unique add-on that covers the cost of an independent loss adjuster for property claims over £5,000
- Extended loss of rent cover – available upon request
- Landlord home emergency cover, which protects against emergencies like:
- Burst pipes
- Central heating breakdowns
- Gas boiler failures
- Pest infestations
- Electrical failure
- Emergency cover is priced at £112.00 per year, including tax
- Employers’ liability insurance, if you hire staff for property management
- Terrorism cover, available depending on location and risk profile
Premiums and Savings:
Insuring a portfolio under one policy with Towergate offers notable financial advantages:
- One admin fee, compared to multiple charges on individual policies
- Economies of scale – the more properties included, the lower the average cost per property
- Policy excesses can start as low as £100, depending on the insurer and coverage selected
Summary Table – Towergate Insurance Multi Property Cover
| Feature | Availability |
| Residential and commercial cover | Yes |
| Add properties mid-term | Yes |
| Centralised renewal date | Yes |
| Panel of insurers | AXA, Covea, NIG, ARO Underwriting |
| Buildings and contents insurance | Included (up to £25,000 contents) |
| Malicious and accidental damage | Available |
| Unoccupied property cover | Included (limits apply) |
| Loss of rent cover | Included |
| Independent loss adjuster (claims >£5K) | Optional via Towergate Assist |
| Home emergency cover | Optional (£112/year incl. tax) |
| Monthly payment option | 10 instalments via Direct Debit |
| Customer satisfaction rating | 4.6 / 5 (Feefo) |
Suitable For:
- Landlords with a mix of residential and commercial properties
- Portfolios with non-standard tenants (e.g. students, DSS, local authority)
- Owners of unoccupied or seasonally rented properties
- Landlords seeking a bespoke policy with expert support
- Those looking for competitive pricing through multi-insurer comparison
Towergate’s multi-property landlord insurance stands out for its personal, advisory-led service model. Unlike direct insurers or comparison platforms, Towergate builds each policy in close consultation with the landlord, ensuring the result is not only compliant and comprehensive but also cost-effective.
Their specialist services such as Towergate Assist and home emergency cover further enhance the value, especially for landlords with large or high-value portfolios that require responsive claims handling and tenant support.
Comparison Table of Multi Property Insurance Providers (2025)
| Provider | Policy Type | Ideal For | Notable Features | Property Types Covered |
| AXA | Direct Insurer | Residential landlords with up to 10 properties | 20% new customer discount, 0% APR on monthly instalments, easy online property management | Residential, student lets |
| Simply Business | Broker | Mixed portfolios and tailored policies | Access to multiple insurers, rental indemnity up to £50,000, flexible per-property customisation | Residential, HMO, commercial |
| Direct Line | Direct Insurer | Larger residential portfolios (up to 15 properties) | 25% discount on additional properties, legal & rent guarantee cover, 24/7 legal helpline | Residential, some mixed portfolios |
| Endsleigh (via Protect My Let) | Specialist Provider | Student, HMO and non-standard tenants | Cover for student and DSS tenants, malicious damage, up to £25K contents cover per property | HMO, student lets, housing authority |
| Towergate Insurance | Specialist Broker | Residential and commercial portfolios | Tailored broker service, panel of insurers, optional loss adjuster and emergency cover | Residential, commercial, non-standard |
How to Choose the Right Multi Property Insurance Provider?
Selecting the right provider involves understanding your own property portfolio and matching it to the strengths of the insurer. Landlords should consider:
- The type of properties they let. Not all providers cover HMOs, listed buildings, or commercial units.
- The level of control they want. Brokers like Simply Business offer more flexibility, while direct insurers are more straightforward.
- Customer service and claim response time. This can make a significant difference when dealing with emergencies.
- Ability to add properties mid-policy without high fees or new applications.
- Additional services such as legal advice, rent guarantee schemes, and emergency cover.
Before choosing a provider, it’s important to get quotes and check policy documents carefully. Comparing features, exclusions, and costs can help prevent problems later.
What Are the Tips for Reducing Multi Property Landlord Insurance Premiums?
Reducing the cost of insurance doesn’t necessarily mean reducing the quality of cover. Here are a few practical ways landlords can keep premiums lower while maintaining comprehensive protection:
- Install security features such as alarms, window locks, and CCTV
- Choose a higher voluntary excess for each property
- Maintain the condition of each building to avoid deterioration-related claims
- Use an experienced broker to compare portfolio policies
- Avoid frequent claims to build a no-claims history
Landlords can also benefit by reviewing policies annually and negotiating better terms based on portfolio performance.
Conclusion
With property investment growing across the UK, landlords with multiple properties must ensure they are adequately covered. Multi property landlord insurance offers an efficient, cost-effective, and flexible way to protect your entire portfolio under one umbrella.
Whether you’re a seasoned landlord with dozens of properties or just starting to expand, choosing the right provider is crucial. The top providers in 2025 AXA, Simply Business, Direct Line, Endsleigh, and Towergate Insurance offer a mix of affordability, coverage, and customisation.
Invest time in comparing policies, understanding your coverage, and selecting a policy that aligns with your long-term property strategy.
FAQs about Multi Property Landlord Insurance in the UK
What’s the difference between multi-property and single-property landlord insurance?
Multi-property insurance covers several properties under one policy, whereas single-property insurance applies to only one location. The former is more efficient and often more cost-effective for landlords with portfolios.
Can I add more properties to my insurance policy later?
Yes, most providers allow you to add properties to your policy as your portfolio grows. This usually involves recalculating the premium and issuing an updated policy document.
Do all providers offer portfolio discounts?
Many do, but not all. It’s important to ask insurers about multi-property or portfolio discounts and compare what each offers.
Is HMO cover included in multi-property landlord insurance?
Some providers, like Endsleigh and Towergate, include or offer optional HMO cover. Always verify this with your chosen provider, as HMO properties are considered higher risk.
How do I make a claim on a multi-property insurance policy?
You would contact your insurer’s claims department, providing details of the affected property and the incident. Many providers offer 24/7 claim lines and online forms to speed up the process.
What’s the average cost of portfolio landlord insurance in the UK?
Costs vary widely depending on the number of properties, their type, tenant demographics, and location. On average, portfolio cover can start from £600 to £2,000+ per year.
Can letting agents get portfolio cover for their clients?
Yes, many insurers offer landlord insurance options tailored for letting agents managing multiple client properties. These policies may include added protections for agency liabilities.
