Landlord insurance for multiple rentals

Help with adding more than one property to your cover

If you own more than one rental property, you might be wondering how landlord insurance for multiple rentals works. With initio, it’s simple – you can manage all your insured rentals under one dashboard, add new properties when you’re ready, and keep your cover consistent across your portfolio.

If I want to add more than one property, do I need separate quotes and invoices?

You can buy your first policy online, then add more properties from your initio dashboard by selecting the “House insurance +” button. Here’s a step-by-step guide to navigating the initio dashboard.

Each property usually needs its own quote, so the right details and cover apply to that address. If you own a block of connected flats or units (up to 8 units) on standard residential leases, you could look at our Multi-Unit Rental policy, which covers the whole block under one policy.

Can I pay with a different account for each of my rental policies?

If you’re paying monthly, initio can only hold one card per account to cover all monthly policy payments. To use a different card for a specific monthly policy, you’d need to set up a separate initio account under a different email.

If you’re paying annually, you can choose a different card for each policy at the time you buy it.

Learn more here: Common Queries and How monthly insurance works.

When managing landlord insurance with multiple rentals, it’s a good idea to review each property’s cover once a year. Different homes can have different risks – like flood zones, tenant types, or rebuild values – so checking that your sum insured and excess still make sense helps ensure you’re not under- or over-insured. Keeping your details up to date also means any claims can be processed faster and without surprises.

If you get stuck while adding another property or managing multiple rental insurance, help is only a click away. You can chat with Chad, our friendly digital assistant, directly on the initio website for quick answers and step-by-step guidance. Just click on the ‘help’ button at the bottom of the screen to get started. If you’d prefer to talk to a real person, our support team is always happy to help – just head to our contact us page to get in touch.

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