Managing a property portfolio is a serious investment. Protecting it with a patchwork of separate policies shouldn’t be.
WS Insurance Brokers arranges bespoke Multiple Properties Insurance for landlords, investors, and property management companies across the UK — consolidating your entire portfolio under a single, expertly structured policy. We compare across the UK’s leading insurers to find cover that reflects the true value and complexity of your assets.
Our Multiple Properties Insurance is ideal for:
If you own more than one property, managing a separate policy for each is an unnecessary drain on your time and budget. Multiple renewals, multiple contacts, multiple sets of documents — and no guarantee that the cover on each is consistent or competitive.
A single portfolio policy changes that. One renewal date, one point of contact, consolidated cover across all your assets, and the potential for meaningful cost savings. As an independent broker, WS Insurance has access to insurers and policy wordings not available directly or through comparison sites — so you get the right cover, not just the cheapest quote.
Using standard home insurance on a rental property. This is the most common — and most costly — error. Standard household policies are void the moment a property is tenanted. A single unpaid claim can leave you with nothing.
Underinsuring on rebuild cost. Market value and rebuild cost are very different figures. Construction costs have risen sharply in recent years, meaning many landlords are now significantly underinsured without realising it.
Letting cover lapse during void periods. Most standard policies restrict or exclude cover after 30 days of vacancy. If a property sits empty between tenancies, you may already be unprotected.
Treating all properties as the same risk. An HMO, a holiday let, and a standard residential let each carry different risk profiles and require different policy wordings. A one-size policy rarely fits all three.
Not notifying your insurer of renovations. Major works often invalidate cover entirely. A specialist broker will ensure you have appropriate cover in place before works begin.
Step 1 — Tell us about your portfolio. Share the details of your properties — addresses, types, occupancy status, and any existing cover. We’ll ask the right questions to build a complete picture.
Step 2 — We compare the market. Our advisers go to work across our panel of specialist property insurers, comparing policy wordings — not just premiums — to find the best fit for your portfolio.
Step 3 — You receive a clear, tailored recommendation. We present your options clearly, explain the differences, and set up your policy once you’re happy. From there, we manage it on your behalf — including at renewal and at the point of any claim.
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BENEFITS
WHY CHOOSE US
If you’re looking for comprehensive cover for your property portfolio, look no further than WS Insurance. Contact us today to get a no-obligation quote and find out how we can help you protect your investments with our bespoke Multiple Properties Insurance solutions.
Multiple properties insurance, also known as portfolio insurance, is a comprehensive policy that covers all the properties you own or manage under a single insurance contract. Rather than maintaining separate policies for each property, this solution consolidates your residential, commercial, or mixed-use properties into one manageable policy with WS Insurance, streamlining administration and often reducing overall costs.
Most insurers, including WS Insurance, typically require a minimum of two to three properties to qualify for a multiple properties insurance policy. However, the exact requirements can vary depending on the insurer and the types of properties involved. Contact our expert team to discuss your specific portfolio and receive a tailored quote regardless of your portfolio size.
In most cases, yes. Insuring multiple properties under one policy typically results in cost savings compared to maintaining separate policies for each property. Insurers often offer volume discounts, reduced In most cases, yes. Insuring multiple properties under one policy typically results in cost savings compared to maintaining separate policies for each property. As an independent insurance broker, WS Insurance can leverage volume discounts, reduced administrative fees, and lower overall premiums when covering multiple properties together. The exact savings depend on factors such as property types, locations, and coverage requirements.
Our comprehensive coverage protects against a wide range of perils including fire, flood, storm damage, vandalism, theft, subsidence, escape of water, and impact damage. Buildings insurance covers the structure of your properties, while contents insurance protects furnishings, fixtures, and equipment. Additional coverage options include loss of rent, legal expenses, and terrorism insurance.
Yes, WS Insurance provides specialist unoccupied property cover as part of our multiple properties insurance. This is particularly important as standard insurance often excludes vacant properties or imposes strict conditions. Our cover protects properties during void periods between tenancies, during renovations, or while awaiting sale, ensuring continuous protection across your entire portfolio.
Loss of rent cover (also called rent guarantee insurance) protects your rental income if a property becomes uninhabitable due to an insured event such as fire or flood. During the repair or rebuilding period, this coverage compensates you for the rent you would have received, helping maintain your cash flow and mortgage payments. This is essential protection for landlords who depend on rental income.
Accidental damage cover can be added to most multiple properties insurance policies as an optional extra. This extends protection beyond standard named perils to include unexpected incidents like accidental breakage of sanitary ware, damage to pipes and cables, or other unforeseen accidents. Discuss with our team at WS Insurance whether this additional coverage suits your portfolio’s needs.
Property owners’ liability insurance protects you financially if someone is injured on your property or if their property is damaged as a result of your ownership. This covers legal costs and compensation claims from tenants, visitors, contractors, or members of the public. It’s an essential component for landlords and property managers to protect against potentially significant liability claims.
With a single policy covering all your properties through WS Insurance, you’ll have one renewal date, one set of documentation, and one point of contact for all insurance matters. When you acquire new properties, they can typically be added to your existing policy with a simple endorsement. Similarly, when you sell properties, they can be removed. This centralised approach significantly reduces administrative burden compared to managing multiple individual policies.
Yes, one of the major advantages of multiple properties insurance with WS Insurance is its flexibility. You can add newly acquired properties to your portfolio policy as you purchase them, or remove properties when you sell them. Most insurers will make pro-rata adjustments to your premium, either charging additional premiums for added properties or providing refunds for removed ones. Always notify WS Insurance promptly of any portfolio changes.
At renewal, WS Insurance will review your entire portfolio to ensure your coverage remains appropriate and competitive. This includes checking that sum insured values are adequate, updating property details if needed, and exploring opportunities to improve coverage or reduce costs. We’ll provide a renewal quotation typically 30 days before your policy expires, giving you time to review and make any necessary changes.
For buildings insurance, you’ll need to know the rebuild cost (not market value) of each property. This is the cost to completely rebuild the property if destroyed, including demolition, site clearance, professional fees, and alternative accommodation. WS Insurance can provide guidance on calculating rebuild costs, and for larger portfolios, a professional reinstatement valuation may be recommended to ensure adequate coverage.
Yes, HMOs can be included in multiple properties insurance policies with WS Insurance, though they may require specialist cover due to their higher risk profile. HMO insurance addresses the specific risks associated with multiple unrelated occupants, including increased wear and tear, higher liability exposure, and specific legal requirements. We’ll ensure your HMOs receive appropriate coverage within your portfolio policy.
Buy-to-let properties require landlord insurance rather than standard home insurance, as they’re tenanted and present different risk factors. All properties in a multiple properties portfolio policy should be correctly classified as buy-to-let, owner-occupied, or commercial to ensure appropriate coverage. Our team at WS Insurance will help you properly categorise each property for accurate insurance protection.
Properties undergoing renovation present increased risks and typically require specialist cover. WS Insurance can arrange unoccupied property insurance or renovation insurance as part of your portfolio policy to cover properties during construction or refurbishment work. It’s crucial to notify us before works commence, as standard policies often exclude or restrict cover during major renovations.
Yes, holiday lets and properties used for short-term rentals (such as Airbnb) can be covered under multiple properties insurance with WS Insurance, though they require specialist cover due to higher turnover of occupants and different risk profiles. We’ll ensure your policy reflects the actual use of each property, whether traditional long-term lets, holiday lets, or a combination of both.
WS Insurance specialises in listed buildings insurance and can incorporate Grade I, Grade II, or Grade II* listed properties into your portfolio policy. These properties require specialist coverage that accounts for traditional construction methods, higher rebuild costs using authentic materials, and compliance with heritage regulations. Our team works with specialist insurers who understand the unique requirements of heritage properties.
If you need to make a claim, contact WS Insurance immediately with details of the incident and the affected property. We’ll guide you through the claims process, help you provide necessary documentation, and liaise with loss adjusters and insurers on your behalf. Despite having one policy covering multiple properties, claims are assessed individually based on the specific circumstances of each incident.
Our quotations at WS Insurance are transparent and include all core coverage costs. The premium covers your chosen level of buildings insurance, contents insurance (if selected), liability cover, and any additional coverages you’ve requested. The only additional costs you might encounter are policy endorsement fees for mid-term changes or adjustments when adding or removing properties.
Even unfurnished properties contain valuable fixtures and fittings such as kitchens, bathrooms, fitted carpets, and landlord appliances. Contents insurance for unfurnished buy-to-let properties covers these items plus any furniture or equipment you provide. The cost is typically modest compared to the potential loss, making it worthwhile protection for most landlords working with WS Insurance.
You’ll need to provide details for each property including full addresses, property types and construction, year built, number of bedrooms/units, occupancy status, rebuild costs for buildings insurance, contents values if required, security features installed, and any claims history. Don’t worry if you don’t have all information immediately—WS Insurance will guide you through gathering what’s needed.
Once WS Insurance has all necessary information and you’ve accepted the quotation, policies can typically be set up within 2-5 working days. For urgent requirements such as exchange of contracts, we can often arrange same-day cover. Complex portfolios with numerous properties may take slightly longer to ensure all details are accurately recorded.
Yes, switching from multiple individual policies to a single portfolio policy with WS Insurance is possible and often financially beneficial. We can coordinate the transition to minimise any overlap or gaps in coverage, and you may receive pro-rata refunds on cancelled individual policies. Contact us to discuss the best timing and approach for consolidating your insurance.
As an independent insurance broker, WS Insurance has access to a wide range of insurers and can compare multiple quotes to find the best coverage at competitive prices. We provide expert advice tailored to your specific portfolio, handle all negotiations on your behalf, and offer ongoing support throughout the life of your policy. Unlike direct insurers who only offer their own products, we work for you to find the optimal solution from the entire market.
Yes, WS Insurance serves property investors and landlords throughout the UK. While we have offices in Bristol and Exeter, we work with clients nationwide to arrange comprehensive multiple properties insurance regardless of where your portfolio is located. Our local expertise combined with national reach ensures you receive personalised service wherever your properties are situated.
