ALDIUM Insurance
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Property Owners Insurance
Property Portfolio Insurance
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Get a Portfolio Insurance QuoteComplete the form — a specialist will be in touch promptly. |
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What Is It?
What Is Property Portfolio Insurance?Property portfolio insurance is a single policy covering multiple properties under one programme — one renewal date, one premium and one insurer. Rather than managing separate policies for each property, everything is consolidated so your entire portfolio is protected and administered in one place. Portfolio insurance is available for residential portfolios, commercial portfolios and mixed portfolios combining both. It accommodates a wide range of property types on the same policy — buy-to-let houses, HMOs, commercial units, shops with flats above, blocks of flats and unoccupied properties. Aldium Insurance specialises in portfolio insurance for landlords and investors owning two or more properties. As an independent broker we structure the programme around your specific mix of properties, your ownership structure and your growth plans — so the policy works for your portfolio as it is today and as it grows. |
Definition
“Property portfolio insurance is a single structured policy covering multiple properties under one renewal date and one premium — accommodating residential, commercial and mixed assets in one programme tailored to the investor.” |
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Independent Broker
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Whole of Market Access
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Dedicated Account Handler
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Claims Support
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One Renewal DateAll your properties renew on the same date. No more managing multiple renewal deadlines throughout the year — one conversation, one decision, one set of documents every twelve months. Simplicity |
Better Value Per PropertyInsurers offer stronger premium rates for portfolios than for individual properties. Volume gives us leverage — your portfolio achieves terms that individual policy holders simply cannot access. Cost saving |
Add & Remove PropertiesBuy a new property mid-year? Sell one? Properties are added or removed from the policy as your portfolio changes, with premium adjusted pro-rata. No need to start a new policy each time. Flexibility |
One Schedule, One Set of DocumentsA single schedule listing every property. One set of policy documents. One certificate of insurance. Much simpler for you, your accountant, your solicitor and your lenders who need confirmation of cover. Administration |
Residential PropertiesBuy-to-let houses, flats, HMOs, student lets and professional tenancies — all includable on a single portfolio policy with cover structured around each property type and tenancy. Property type |
Commercial PropertiesShops, offices, warehouses, industrial units and restaurants — included alongside or separately from residential assets. Lease obligations reviewed to ensure correct cover for each commercial unit. Property type |
Mixed-Use & ComplexShops with flats above, blocks of flats, mixed residential and commercial buildings — all can be accommodated within a structured programme, with each element correctly demarcated and covered. Property type |
Unoccupied PropertiesProperties between tenancies, undergoing renovation or awaiting sale can be included within the portfolio programme — avoiding the need for a separate standalone unoccupied policy for each one. Property type |
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Who Is It For?
Who Needs a Portfolio Policy?A portfolio policy is the right solution for any landlord or investor managing more than one property. Below are the most common portfolio types we insure — though every portfolio is different and we structure each programme individually.
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Why Aldium
Why Choose Aldium?Independent. Specialist. On Your Side.Portfolio structuring expertise — we build the right programme for your specific mix, not a one-size policy that leaves gaps.
Mixed portfolio experience — residential, commercial, HMOs, blocks and mixed-use all on one structured programme where possible.
Grows with you — add properties mid-term as you acquire. Your account handler updates the schedule immediately, no delays.
Limited company specialists — we correctly structure policies for SPVs and limited company ownership, with lenders noted properly.
Claims support — one team managing claims across your entire portfolio when you need us most.
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How many properties do I need for a portfolio policy?Most insurers offer portfolio policies from two properties. Below two, individual policies are typically the right approach. There is no upper limit — we arrange programmes for investors with two properties and for those with hundreds across multiple property types and locations. |
Can I mix residential and commercial on the same policy?Yes, in many cases. A mixed portfolio containing residential lets alongside commercial units, shops with flats above or blocks of flats can often be covered under one structured programme. Where different specialist markets are needed, we coordinate two policies with aligned renewal dates so administration remains straightforward. |
What happens when I buy a new property during the year?Contact your account handler and the new property is added to the policy immediately, with premium adjusted pro-rata to the remaining policy period. We recommend notifying us before the property completes so cover is confirmed in writing from day one of ownership. |
Can my portfolio be held in a limited company?Yes. We regularly arrange portfolio policies for limited company landlords and SPV structures. The policy must be in the company name and lenders noted correctly as interested parties. We also advise on Directors and Officers liability for companies managing their own portfolio. |
What is a blanket sum insured and should I use one?A blanket sum insured is a single total rebuild value covering all properties rather than a separate sum per property. It protects against underinsurance at any individual property level, as claims are settled against the total. Available for larger portfolios of properties — we advise on suitability for your specific portfolio. |
Is a portfolio policy cheaper than individual policies?In most cases, yes — both in premium per property and in administration time. Insurers offer stronger rates for portfolios, and consolidating renewal dates eliminates the cost of managing multiple mid-year renewals. We provide a comparison when we present your options so the saving is clear. |
Tell us about your portfolio and we will structure the right insurance programme — one policy, one renewal, the right cover for every property you own.
| Get a Portfolio Quote | Call 0151 336 5881 |
| Independent Broker | FCA Regulated | Portfolio Specialists | UK Based Team | Claims Support |
