Landlord Home Emergency Cover

01772 702000 mani@platformfs.co.uk Derby House Chambers, Suite 7, Lytham Rd, Preston PR2 8JE
Landlord Emergency Cover

Portfolio Landlord Emergency Cover: One Helpline for Every Property One Helpline. One Renewal Date. Every Property Covered.

Three properties means three boilers that can fail, three sets of tenants who expect a fast fix, and three lots of paperwork to keep straight. Portfolio landlord emergency cover gives every property its own protection, run through a single point of contact.

  • One 24/7 helpline for every property you own
  • Each property carries its own claim limit and claim count
  • One renewal date instead of juggling several
FCA Authorised UK-Based Support Gas Safe Engineers
Portfolio landlord insurance Portfolio
Portfolio at a glance
2+ Properties covered
24/7 Emergency helpline
Per-property Claim limit & count
1 Policy & renewal date
Overview

Why Portfolio Landlords Need Their Own Approach

Running two, five, or fifteen properties multiplies everything: more boilers, more tenants, more calls at inconvenient hours. Standard landlord cover often forces you to manage each property as a separate relationship, with separate renewal dates and separate helplines to remember.

Portfolio landlord emergency cover keeps every property under the same 24/7 helpline and the same renewal date, while still treating each property individually where it matters most: claim limits and claim counts are tracked per property, not pooled across your whole portfolio.

How It Works

Cover, Property by Property

Each property keeps its own limit

Every property on your portfolio has its own annual claim limit and its own maximum number of claims per year, based on the plan (Gold or Platinum) you choose for it. A busy year at one property doesn't reduce what's available at another.

Adding a property mid-term

A property can't be added onto an existing policy mid-term. Adding a new property to your portfolio means setting up its own new plan alongside your existing cover — we'll talk you through this when you call.

One helpline, one renewal date

Whichever property calls in, it's the same 24/7 helpline and the same approved-contractor network. At renewal, everything falls on one date, so you're not tracking separate paperwork throughout the year.

Legal Duties

Your Responsibilities Under Section 11

Under Section 11 of the Landlord and Tenant Act 1985, you're required to keep the structure, heating, hot water, and sanitation of each rental property in good repair. With more properties, more can go wrong at once — emergency cover helps you respond within a reasonable time at every address, not just the one you hear about first.

  • Keep the property's structure and exterior in repair
  • Keep installations for heating, water, and sanitation working
  • Respond to reported issues within a reasonable time
FAQ

Portfolio Cover Questions

No. You can put different properties on Gold or Platinum depending on what each one needs — the claim limit and claim count follow whichever plan that property is on.
Not onto an existing policy. A newly added property needs its own new plan set up alongside your current cover — call us and we'll set it up.
No. Each property's claim limit and claim count is tracked separately, so activity at one property doesn't reduce what's available elsewhere in your portfolio.
Yes — portfolio cover is set up so every property you hold renews together on a single date, rather than tracking separate renewal dates throughout the year.
Most insurers, including the PRA, generally treat landlords with four or more mortgaged rental properties as portfolio landlords, though this cover suits anyone managing multiple properties, even below that threshold.

Get Your Portfolio Covered

One quote covers every property on your portfolio under one helpline and one renewal date.