A portfolio landlord policy can be convenient and may offer competitive pricing for several properties, but the cheapest option depends on the number, type, location and occupancy of your buildings. Compare the cover as well as the premium, including buildings insurance, property owners’ liability, loss of rent, legal expenses and any unoccupied-property restrictions. Some insurers offer discounts for multiple properties or one renewal date, while separate policies may provide more flexibility for unusual risks. Obtain quotes from FCA-authorised providers and check the policy wording carefully, particularly for tenant types, security requirements and claims limits.