Portfolio insurance for landlords Portfolio insurance for landlords

Landlord insurance for mixed property portfolios, including residential, commercial and mixed-use buildings. Speak to our team, and we'll help you explore the cover options available.

What is portfolio landlord insurance?

Your property portfolio might include a mix of residential and commercial properties, or buildings that combine both. This could be a single building with a shop on the ground floor and flats above, or a portfolio of different properties, from houses and flats to offices and retail units.

When you let out different types of property, your insurance needs could become more complicated. The risks associated with a residential flat aren't necessarily the same as those of a shop, restaurant or office.

Landlord portfolio insurance is designed to cover multiple property types to help you manage these risks, with cover that takes into account the different ways your properties are used.

What can portfolio landlord insurance cover?

Portfolio landlord insurance can help with unexpected costs associated with owning and letting residential, commercial and mixed-use properties.

Depending on your insurer, property types and policy, cover could include:

  • Buildings insurance: Can help pay to repair or rebuild your property following insured events such as fire, storms or flooding
  • Property owners' liability insurance: Could help with legal costs and compensation if someone is injured or their property is damaged and you're found responsible
  • Loss of rent insurance: Can help replace rental income if an insured event leaves your property unusable
  • Landlord contents insurance: Can cover furniture, appliances and equipment you own and provide for your tenants
  • Accidental damage cover: May help with the cost of unexpected damage to your buildings or landlord-owned contents

The cover available will depend on the properties you own, how they're used and the insurer. Not every policy includes all these options, and limits and exclusions can vary. Speak with our Customer Team by calling 0330 058 3473 or emailing hello@gosuperscript.com.

Landlord portfolio insurance through Superscript

Portfolio landlord insurance through Superscript can be bought in different ways depending on the properties you own and rent:

1

A portfolio of residential properties

If your portfolio includes only residential rental properties, you can buy your cover online. You can add up to 10 residential properties under the same landlord insurance policy online.

By buying your cover online, you could also save up to 17.5% on residential property premiums. If you're insuring more than one property, a multi-property saving is applied automatically as you add properties. The amount you save depends on the number and type of properties you insure.

2

A portfolio of commercial properties

If your portfolio consists of only commercial rental properties, you’ll need to speak to us. Get in touch with one of our friendly Customer Success Team by calling 0330 058 3473 or emailing hello@gosuperscript.com.

Not every insurer offers the same cover, and the options available will depend on your circumstances and the insurers available. Our team can talk you through your options and look for suitable insurance from the insurers we work with.

3

A portfolio of residential and commercial or mixed-use properties

If you rent out properties with a combination of residential and commercial uses, you’ll need to speak to us. Get in touch with one of our friendly Customer Success Team by calling 0330 058 3473 or emailing hello@gosuperscript.com.

Depending on your circumstances and the insurers available, this could mean insuring a mixed-use building, arranging cover for several properties or using separate policies for different parts of your portfolio. Our team can talk you through your options and look for suitable insurance from the insurers we work with.

Who is portfolio landlord insurance for?

Portfolio landlord insurance can be worth considering if you own and rent out different properties, including residential, commercial and mixed-use buildings.

This could include:

  • Landlords with shops and flats: Buildings with retail space on the ground floor and residential accommodation above
  • Owners of mixed-use buildings: Properties combining commercial spaces, such as offices or restaurants, with residential units
  • Landlords with mixed property portfolios: A combination of residential properties, commercial buildings or mixed-use premises
  • Property investors: People or businesses managing several types of rental property as part of their investment portfolio

Whether you own one building or several, it's important that your insurance reflects how each property is used.

Cover Plus — Broking service without the price tag

If you’re a landlord looking to cover large property portfolios, including industrial or commercial properties, you might be interested in Cover Plus. Get a fast, effective and personal service built for landlords with specific needs.

Find out if you're eligible, or speak to our team.

Book a meeting

Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.

Check out our latest posts
More articles for landlords

Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.

A-rated financial strength

Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).

Protected by the FSCS

If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.

Last updated