Residential portfolio · one policy · loss of rent
Insuring several let homes
Five let homes today often means five policies, five renewal dates and five different excesses. On one policy that is not only cheaper but above all manageable.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
If you let several homes, you can place them on a single residential portfolio policy. You receive one policy schedule with a specification per property, one renewal date and uniform conditions.
Per property, the same applies as with a single let home: loss of rent, damage caused by tenants and reporting vacancy between tenancies.
This page deals with one part. The overview of all parts is on the main page on property insurance.
What to look out for
One excess instead of five
Uniform conditions prevent you having to work out which policy covers what when you claim.
New purchases included automatically
With a block clause, a newly purchased property is covered immediately, with notification afterwards.
Room letting assessed separately
If letting by the room is among them, a different regime with fire safety requirements applies to it.
Keeping rebuild values up to date
Have the values checked periodically. With a portfolio, underinsurance mounts up unnoticed across all properties at once.
What determines the premium
- Total rebuild value of the portfolio
- Number and type of homes
- Type of letting — self-contained or let by the room
- Vacancy rate
- Modules chosen — loss of rent, damage caused by tenants
This information is general in nature and is not personal advice. What is actually covered, including exclusions and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
From how many homes does this pay off?
In practice from three to five. The advantage lies in the premium, but above all in clarity and uniform conditions.
Can room letting be included?
Often yes, but it is assessed separately because of the fire safety requirements that go with it.
What if I buy or sell a property?
With a block clause a purchase is covered immediately. You report a sale, after which the property is taken off the specification.
Is loss of rent arranged per property?
Yes, with an indemnity period you can match per property type to the realistic rebuilding time.
What is covered and what is not
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Fire caused by a short circuit in the consumer unit of one of the homes | Yes | Yes |
| A tenant lets the bath overflow and the water comes through the ceiling of the flat below | No | Yes |
| After that fire the home is uninhabitable for four months and no rent comes in | No | Yes |
| A departing tenant leaves the kitchen and internal doors wrecked | No | Provided that |
| The heating pipework freezes and splits in a home standing empty between two tenancies | Provided that | Provided that |
| A roof tile blows off one of your properties and damages a parked car | No | No |
What looks like a small claim on one home adds up across a portfolio; the excess per event determines what you actually get back over a year.
Read more
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