Insuring Several Homes: Multi-Property Policies Explained
Quick answer
Some specialist insurers can cover several residences — a main home, second homes and properties used by family — under one policy with a single renewal date. Whether this suits you depends on the properties, their use and location, which a specialist broker can review.
General information only. High Value Home Quote is an FCA-registered insurance introducer (lead generation), not a broker or insurer. We do not give advice or prices. An FCA-regulated specialist broker can advise on your own circumstances.
How Multi-Property Cover Generally Works
A single policy schedule lists each residence with its own buildings and contents sums insured. Valuables may be covered across all properties.
Information To Gather
- Address, construction and rebuild cost of each home
- How each is occupied or used
- Security at each location
- Contents and valuables at each address
Related Reading
See our second home guide. We can introduce you to an FCA-regulated broker experienced with portfolios of homes.
Frequently asked questions
Can let properties be included?
Commercially let property usually needs landlord cover rather than a home policy. Discuss each property with a broker.
What are the potential benefits?
Owners often mention one renewal date, one point of contact and consistent cover across homes. Suitability depends on your circumstances.
Can overseas homes be included?
Sometimes, depending on the country and insurer. A broker can advise.
Related guides
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