Landlord Insurance

We compare quotes from leading insurers such as Axa, RSA, QBE, NIG, Zurich as well as our in house property underwriters to find you the right cover at the right price.

  • We’ll aim to find you cover regardless of the number of properties you own or the type of tenant you have
  • Support is on hand every step of the way throughout your policy. We can even source legal advice and cover should you need it.
  • Things change - sometimes faster than you expect. Our policies are flexible and can be changed throughout the policy

Get a quote online and compare quotes from our panel

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If your requirements are more complex, give us a call to get access to cover you won’t find anywhere else online.

0844 346 0409
01883 724 013

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93%

Whether your property is freehold or leasehold, we have the market covered. In addition to standard cover such as escape of water and fire, our panel can provide a range of additional, specialist cover.*

Loss of rent cover

If something happens to your property such as a fire, your property may become uninhabitable for your tenants. Which of course means - you’re likely to lose out on some rent. If your property is uninhabitable due to an insured peril (danger such as fire, weather or water leak) we can find you cover for this. We can also include loss of rent cover for when your tenants miss payments. This isn’t always automatically included so please do ask us if you require this cover.

Landlord buildings and contents cover

We’ve a range of buildings and contents cover available to you via our panel with excesses as low as £100. This will cover you for escape of water, accidental damage, fire and more. Malicious damage can also be covered if required. If you have a history of subsidence we can cover you here too.All we ask is that you get your property inspected so we can apply the correct cover.

Wide range of tenant types covered

As tenants come in all shapes and circumstances, we’ll go out to our panel and find you a suitable policy. We can cover; professionals, DSS, students, asylum seekers, local authority placements and even bedsits. However, If you require cover for a sub-let you may require a slightly different type of cover. When you talk to one of our advisors they’ll happily point you in the right direction.

Property portfolios

We reward experienced landlords with reduced rates but we also reward landlords with more than one property. Insuring all your properties under one policy allows you to save on admin fees and receive discounts for every property you add. You can even add properties mid-policy if you need to. As these policies are a little more complex, it’s best to get in touch with us by phone so we can help you efficiently and accurately.

*These are just some of the key features and exclusions, full details will be found in policy wordings.

We’ll find you the best quote

We compare quotes from leading insurers such as Axa, RSA, QBE, NIG, Zurich as well as our in house property underwriters to find you the right cover at the right price.

Axa Insurer
Lve Insurer
Nig Insurer
Rsa Insurer
Towergate Insurer
Zurich Insurer
Ben Leach

Ben Leach

Landlord Insurance Specialist
“ My team of landlord insurance specialists are here with a sole purpose – to insure your rental property and cover you for all required eventualities. Whether you decide to buy online or pick up the phone to us, we’ll make sure we work with you to understand your requirements and provide cover even if your properties or tenants are out of the ordinary. As insurance experts, we understand that you’re running a business. As such, we realise price is important to you. We have access to a huge range of insurers and cover options which enables us to find you the right policy at the right price. Start your journey online or call my team to get land lord insurance specific to you and your property. ”

Our claims team

If and when it comes to the crunch and you need to make a claim, we have an in-house team who work hard to understand all the details of your claim then get these to the insurer to get your claim resolved as quickly as possible.

If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.

Need to make a claim?

Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

0844 892 1384

Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your landlord insurance.

rent agreement

insurance guide

Landlord Insurance Explained

We want our customers to fully understand their insurance agreement so we have written a guide to Landlords’ Insurance. We take an in depth look at the features and exclusions...

View insurance guide
Article Image

insurance guide

Costs of being a landlord

Letting out property is an increasingly popular way to make a profit. However, there are many costs involved in being a landlord that could take you by surprise. Luckily Towergate, the specialist providers of Landlord Insurance have listed the top hidden costs for landlords. View our short video or read about them in our web guide below.

Accidental Damage Insurance

video

Accidental damage insurance for landlords

Accidental damage cover is usually an optional extra on your landlord insurance. But what does it do and how do you weigh up your options? Our new landlord video looks at this type of insurance to help you decide. Watch to find out more…

Taking On A Lodger

video

Becoming a Landlord - Taking on a Lodger

Are you considering taking on taking on a lodger? Our new video looks at the differences between being a landlord and having a lodger, what you should consider beforehand and whether you’ll need resident landlord insurance. Watch to find out more…

Customers rate our service at 93%

Based on 1967 independent customer reviews.

DateProductScoreCustomer Comment

Shop Insurance (Renewal)

+

PLEASED WITH SERVICE

Shop Insurance (Renewal)

++

Very good service speedy and knowledgeable.

Have been with Towergate 6 years no other insurer can touch them for service and price. We produce a schedule of our needs and send it to whom contacts us asking if they may quote.
Some of the quotes are ridiculous

Shop Insurance (Renewal)

-

As usual their attention to detail is rubbish at best however I struggle to find a company that competes with them on price.

Landlord Insurance (New Policy Holder)

++

Excellent.

Landlords Insurance (Renewal)

++

Absolutely fine

Home Business Insurance (Renewal)

-

Took a ridiculous time to arrange my present cover. Original enquiry was back in Oct 14 leaving, what I thought was plenty of time to get things sorted in time for my business move at the beginning of Jan 15 but no, it was late Jan before it was finally sorted. Pleased with the cover offered considering no other companies seemed interested in helping me though just a shame I am now on first name terms with just about everyone at FSB Insurance following all my chase-up calls!

Landlords Insurance (Renewal)

+

Good service so far. No claim made yet so can't comment on this as yet.

Landlords Insurance (New Policy Holder)

+

Very Good, But far too many questions to get a quote!!10-15 mins on phone is too long and i think unnecessary. But we still love towergate.

Landlords Insurance (Renewal)

+

I managed to do a deal with them as I felt that their admin charge was unnecessarily high. As a result I am a happy customer.

Home Business Insurance (Renewal)

+

It's insurance, so it's pointless to seek my opinion until I actually have to claim - I hope it never happens, but if it does then that's the point at which my opinion of your service actually means something.

More reviews

FAQs

If I don’t receive rent for a period, can I claim for this?

You can claim for loss of rent if your building is uninhabitable due to damage or an accident which is covered by the rest of the policy (see: What does landlord insurance cover me for?). Some of the policies offered by our panel can also insure your property whilst it is empty however, this only covers you for damage whilst the property is already empty and therefore won’t cover your lost rent.

Finally, some insurers on our panel offer an extension to their policy which means you can claim for loss of rent if the tenant can’t/hasn’t paid you. Please be aware though, that without this extension, you can only claim for loss of rent if your property is uninhabitable due to damage.

Does landlord insurance cover me for loss of keys?

Yes , we can cover loss of keys, but also for the replacement of locks and damage from an emergency access too. Say your tenants vacate your property and keep a set of keys, or whilst unoccupied you lose the master set? Replacing the locks and keys or worse having to break in, in an emergency during the time you lose your keys, can cost a considerable amount. We can offer peace of mind knowing these easy accidents can be covered by your landlord insurance.

I’ve been told Towergate offer the cheapest landlord insurance, but my online quote is not the cheapest?

Whilst our online insurance portal offers suitable cover to a large proportion of our landlord customers, we always advise speaking to our advisors directly if you have anything out of the ordinary, want specific cover for something or want to discuss ways to get cover even cheaper. We can often discuss lowering areas of cover you may not need, or want, or help you source a discount.

As a specialist broker, we pride ourselves on understanding our customers’ needs and finding them a policy that offers the most suitable landlord insurance, at the right price. However, sometimes this is best done over the phone.

I’ve had trouble finding landlord insurance for my coach house, can you help?

A lot of landlords with coach houses to rent find it a struggle to get the right cover (or any cover at all) with high street insurers or online. Because we have access to large proportions of the insurance market and have good relationships with the insurers themselves we can find policies that others can’t. You will need to speak directly to one of our advisors though!

I can’t find landlord insurance for my separate garage, please help!

As long as the building is on the deeds to the property, be it a garage, out building or annex we’ll be able to help you find the right policy. The tenant will need to occupy the property too. This means if you rent the garage or annex separately you may need to look to cover these on separate policies.

If my tenant(s) trashes my property can I claim?

We can provide cover for malicious damage. This doesn’t necessarily come as standard on all policies from our panel of insurers so make sure you ask us for it when you call us or get a quote online.

With malicious damage cover in place, if a tenant damages your building or your contents, you’ll be able to claim and we’ll do our best to recover the cost of the damage caused. So if a tenant spray paints your walls or slashes your sofas, we’ll sort it for you.

Will my policy cover me for subsidence?

If you need cover for subsidence, we can provide it. However, there is a “but” – if you your property has a history of subsidence we’ll require an inspection of the property to establish the risk of further damage before we provide cover.

How does having a different type of tenant such as DSS or student affect my policy?

Insurance is all about covering risks. Statistically, tenants such as DSS and students pose more of a risk to your property. After all, it’s no secret that students like to party!

Some insurers or brokers simply won’t cover you if you have high risk tenants living in your property. Here at Towergate however, we can provide cover for a wide range of tenant types. So, if for example, that student party gets a bit out of hand and a window gets accidentally broken, you’ll be covered under the accidental damage section of your policy (if you’ve asked for that to be included in your policy).

I can’t find landlord insurance because of a history of subsidence.

The simple fact of the matter is all insurers are wary of properties with subsidence, even if it was 10 years ago! Usually we won’t have trouble finding you insurance as long as you can provide the correct paper work to prove the initial cause has been dealt with and subsequent checks have been made. Speak to us on the phone, or via email, and we can discuss your options with you.

How do I calculate my sums insured?

Many of our customers often assume the rebuild price is the same as the market value. This however is not the most accurate way to understand the costs because this value does not include the demolition and debris removal of the previous property, or the architects, materials or labour costs to re-build. Not forgetting, many insurers will charge a penalty, for underinsuring a property so it’s very important this is correct.

We advise all our customers to use a rebuild calculator or professional service to get the best landlord insurance cover for their property.

What does landlord insurance cover me for?

The standard perils landlord insurance covers you for are the same as standard home insurance. They are things like fire, floods, escape of water, subsidence etc. The differences can be things like loss of keys, loss of rent, conditions on leaving it unoccupied etc. Our online quote system or advisor will be able to discuss your requirements and find something that suits your needs exactly.

I need landlord insurance for multiple properties.

That’s great. We can help you here too!

We specialise in finding great insurance policies for landlords with multiple properties. In fact if you have between 1 and 50 properties we can often find you discounts on the policies and the administration fees

We can also include any new policies pro-rata, meaning you can keep the same renewal date for all you properties.

I’ve been a landlord for a number of years and I’ve never had to claim. Will this reduce my premium?

Absolutely. We really value experienced landlords and know that when you’ve been at it for a while, you tend to be lower risk. With that in mind, we reward careful and experienced landlords with reduced rates.

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