Multi-property landlords insurance

Hiscox multi-property landlords insurance includes the following as standard: 

• Buildings insurance – covers the external structure and permanent fixtures of your properties, like roofs, walls, and drainpipes 
• Property owners’ liability insurance – protects you against certain legal and compensation claims on your rental properties, such as injuries to tenants or visitors 
• Loss of rent – covers your rental income if your insured properties become uninhabitable due to an insured event, such as a flood or fire. 

Optional extras include: 

• Contents insurance – protects items you keep in your rental properties, such as washing machines and dishwashers, but not against tenants’ contents 
• Legal expenses cover – covers the costs of legal disputes related to your rental property, such as rent disputes and eviction processes 
• Emergency call-out cover – offers urgent assistance during emergencies like boiler breakdowns and electrical failures 
• Employers’ liability insurance – protects you if the staff on your properties, such as maintenance workers, claim they are injured or become ill due to their work. 

For more information, read our guide: What does landlords insurance cover?

• Personal home insurance – only rental properties are covered 
• More than ten properties – cover up to ten properties under a single policy 
• Rent guarantee – coverage for lost rent due to tenant non-payment is not available 
• General wear and tear – which is inevitable with property ownership. 

Please refer to the policy documents for the full details of inclusions and exclusions of this cover. Policy documents are available when purchasing online. 

Alternatively, contact our customer services team or call us on 0800 247 1902, 9:00am to 5:00pm, Monday to Friday, for more information.

You can add properties to your existing multi-property landlords insurance policy, up to a maximum of ten properties under one policy. Hiscox lets you adjust your policy without any administration fees.

Hiscox multi-property landlords insurance is tailored to your unique circumstances, so costs vary. For example, if you own multiple high-value rental properties, your premium might be higher. 

The minimum requirement for a Hiscox multi-property landlords insurance policy is to have buildings insurance for more than one property. This covers physical structures and permanent fixtures. 

Estimating the cost of completely rebuilding each property if it’s destroyed tells you your building sum insured (BSI), which affects your premium. Our landlords buildings insurance covers BSI up to £1 million for each property.

Hiscox multi-property landlords insurance lets you cover up to ten rental properties under one policy and can offer up to a 20% discount for multiple properties. 

We also offer up to the following discounts: 

• 1 address: no discount 
• 2 addresses: 5% discount 
• 3 addresses: 10% discount 
• 4 addresses: 15% discount 
• 5+ addresses: 20% discount 

The actual discount received may differ based on various criteria. Some add-ons, such as contents insurance, are not eligible for the full discount, and others, including legal expenses coverage, are not discounted at all. You can contact our customer services team for more information. 

Once you have buildings insurance, you can add various optional extras. Typically, more protection means higher premiums. 

If your properties are furnished, you might add contents insurance to cover the cost of repairing or replacing items such as furniture and appliances you keep in your rental property. Hiscox multi-property landlords insurance covers contents sum insured of up to £100,000 per property. 

You might also add employers’ liability insurance, legal expenses cover, and home emergency cover. 

If you have employees, you could be legally obligated (external link) to purchase employers’ liability cover. 

For full details, read our guide: How much does landlords insurance cost?