If you own two or more residential properties, a portfolio policy covers them all on a single renewal — usually at a lower total cost and with far less administration than insuring each property separately.
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Managing multiple individual policies is time-consuming, error-prone and almost always more expensive. A portfolio policy is built for landlords who own multiple properties.
How does insuring your properties as a portfolio compare to insuring each one separately?
Individual policies: one renewal per property, tracked separately. Portfolio: a single renewal date for everything you own.
Individual policies: full rate per property. Portfolio: insurers typically offer a discount for grouping properties together.
Individual policies: a brand new policy each time you buy. Portfolio: added mid-term on a pro-rata premium basis.
Individual policies: potentially a different insurer and process per property. Portfolio: one insurer, one claims team, for everything.
A portfolio policy brings your properties together under one set of covers, regardless of property or tenancy mix.
Insurers offer a portfolio discount for grouping properties together. The more properties you add, the greater the saving compared to individual policies.
One renewal date for all your properties. No more managing multiple renewals, lapse dates and admin across separate policies throughout the year.
A single insurer and claims team across your entire portfolio. Simpler, faster and less stressful when something goes wrong.
When you acquire a new property, you simply add it mid-term rather than taking out a new standalone policy. Straightforward and immediate.
Professional lets, student lets, flats and unoccupied properties can all sit under one portfolio policy with the right insurer.
As a portfolio client you typically get more favourable treatment from your insurer — especially on renewals, mid-term changes and complex claims.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
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