Property Portfolio Insurance
Streamlined insurance solutions for landlords and investors with multiple properties, combining cover under one policy for simplified management.
Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.
What's Covered
Our property portfolio insurance consolidates cover for multiple properties under a single policy, reducing administration and often providing better value than individual policies.
Multi-Property Buildings Cover
Full reinstatement cover for all properties in your portfolio under one policy.
Contents & Fixtures
Cover for landlord's contents, fixtures, and fittings across all properties.
Loss of Rent
Protection for rental income across your portfolio if properties become uninhabitable.
Property Owners Liability
Single liability limit covering all properties, simplifying your insurance arrangements.
Legal Expenses
Cover for tenant disputes, eviction costs, and rent recovery across all properties.
Accidental Damage
Optional cover for accidental damage by tenants to buildings and contents.
Why Choose Focus Insurance?
As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.
Single Policy
One policy, one renewal date, one premium for your entire portfolio.
Flexible Structure
Add or remove properties throughout the year with pro-rata adjustments.
Portfolio Discounts
Benefit from volume discounts as your portfolio grows.
Simplified Admin
One schedule, one claims contact, one annual review for all properties.
Is This Cover Right for You?
This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:
- Professional landlords with 5+ properties
- Property investment companies
- Family property portfolios
- Buy-to-let investors scaling their holdings
- Property syndicates and partnerships
- Pension fund property investments
What We'll Need for Your Quote
- 1Full schedule of all properties (addresses and postcodes)
- 2Property types and construction details
- 3Individual rebuild values or total portfolio value
- 4Rental income per property or total portfolio income
- 5Tenant types (AST, DSS, students, professionals, etc.)
- 6Claims history for the past 5 years
- 7Details of any unoccupied properties
- 8Property management arrangements
Frequently Asked Questions
What's the minimum number of properties for a portfolio policy?
Can I include different property types in one portfolio?
How do I add new properties during the policy year?
What happens if I sell a property?
How are rebuild values assessed for a portfolio?
Property Portfolio Insurance: A Complete Guide for UK Landlords
If you own multiple investment properties in the UK, managing separate insurance policies for each one creates unnecessary complexity and cost. This guide explains how property portfolio insurance works, what it covers, and what to consider when consolidating your cover under a single specialist policy.
Focus Insurance Services is an FCA-regulated insurance broker. We arrange insurance on your behalf from a panel of UK insurers. We do not provide insurance directly, and all cover is subject to insurer acceptance, terms, and conditions. Nothing in this guide constitutes insurance advice.
What Is Property Portfolio Insurance?
Property portfolio insurance is a specialist product designed for landlords and property investors who own multiple properties. Rather than maintaining separate policies for each property — each with its own renewal date, premium, and documentation — a portfolio policy consolidates all properties under a single contract.
This type of insurance is arranged through specialist brokers rather than being available directly from insurers. The underwriting of multi-property risks requires detailed assessment of individual properties, their construction types, occupancy arrangements, and geographic spread.
Portfolio vs. Individual Policies
With individual policies, each property is underwritten on its own merits. With a portfolio policy, the insurer looks at the portfolio as a whole, considering the spread of risk across multiple properties. This aggregated approach can work in your favour — a portfolio with a mix of property types and locations presents a more diversified risk profile.
The key advantage of a portfolio policy is control: one renewal date, one schedule, one claims contact, and one annual review gives you a clear picture of your insurance position at any point in time.
"Under-insurance is one of the most significant risks in property portfolio insurance. If the sum insured is lower than the actual rebuild cost, an average clause may reduce your claim settlement — even for a partial loss."
Focus Insurance Services — Broker Guidance
Eligibility
Most specialist insurers consider portfolio policies for landlords with 5 or more properties. Eligibility depends on property types, geographic spread, tenant profile, and claims history. A clean claims record and professionally managed portfolio will attract the most competitive terms.
Mixed Portfolios
Portfolio policies can accommodate residential, HMO, block of flats, and commercial properties under one contract. Each property type has specific underwriting considerations. HMOs require licensing confirmation; commercial properties require details of the occupying business. A specialist broker will structure the cover accordingly.
Adding Properties
When you acquire a new property, notify your broker with the relevant details. The property is added to your schedule and a pro-rata premium is calculated. When you sell, the property is removed and a pro-rata refund is provided. Prompt notification is essential to avoid gaps in cover during transactions.
Rebuild Values and the Risk of Under-Insurance
One of the most significant risks in property portfolio insurance is under-insurance. This occurs when the sum insured — the rebuild value declared to the insurer — is lower than the actual cost of rebuilding the property.
Most property insurance policies include an average clause. If a property is insured for 70% of its true rebuild value and a claim is made, the insurer may only pay 70% of the claim value — even for a partial loss. The policyholder effectively becomes a co-insurer for the uninsured portion.
Rebuild Cost ≠ Market Value
In many parts of the UK, market value significantly exceeds rebuild cost. In others, the reverse is true. Using market value as the sum insured is a common error. A professional reinstatement cost assessment (RCA) by a chartered surveyor provides the most reliable basis for setting rebuild values.
Annual Review
Construction cost inflation has been significant in recent years. Rebuild values that were adequate three years ago may now be materially insufficient. Your broker should discuss rebuild values at each renewal and flag any properties where the declared value appears inconsistent with current construction costs.
Regulatory Notice
The information in this guide is provided for general educational purposes only and does not constitute insurance advice. All cover is subject to the insurer's terms, conditions, and acceptance of the risk. Focus Insurance Services is a trading name of Captios Limited, authorised and regulated by the Financial Conduct Authority (FCA Register No. 717691). Registered in England and Wales, Company No. 09620500.
Ready to Discuss Your Insurance Needs?
Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.
Monday – Friday, 9:00am – 5:00pm