Landlord Insurance

Whether you have a rental portfolio or just one property to let, our landlord insurance buildings cover includes the option to insure your content too

Our landlord insurance policy will cover properties let to professionals, students and DSS tenants, and whichever policy you choose, property owner's liability cover is standard. Plus, if you let your property out furnished, with some of our insurers, contents insurance is included at no extra charge.

0844 346 0409
01883 724 013 Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
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Landlords insurance features

  • Properties let to professionals, students and DSS accepted

  • Includes private lets or lets through an agent, providing you have final vetting of the tenants

  • Option to add reimbursement of rent in the event of an insured risk, such as fire

  • Alternative accommodation should the property become uninhabitable with some insurers

  • Cover for your buildings and contents during periods of vacancy, such as in between tenancy agreements, upon referral to us

  • Option to insure against accidental damage caused by tenants

  • Discounts available for no claims

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Landlords insurance exclusions

  • Damage by wet or dry rot

  • Cover may be restricted when your property is unoccupied

  • Damage due to a fault or limit of design, manufacture or installation. In particular there is no cover for damage to underground services that do not work because they are worn out

  • The cost of replacing any undamaged items, which form part of a set, suite or item of a uniform nature

  • Loss or damage to your buildings from any cause not listed in the policy booklet - but wider cover is available with the accidental damage option

  • An excess will apply to all claims, which will vary insurer to insurer and will be detailed in your policy booklet

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


Landlords insurance FAQs

What cover do I need to arrange on behalf of my tenants?

You need to ensure you have building cover in place. If you are renting out your property furnished, you should consider getting contents insurance.

Can Towergate Insurance arrange immediate cover?

Yes. You can either speak to one of our specialist advisors on 0844 892 6218 or purchase online.

What happens to my tenants if my property becomes uninhabitable?

We will cover the cost of alternative accommodation for up to 20 percent of the sum insured.

Can Towergate Insurance insure my portfolio of properties?

Yes, we can. There is no limit to the number of properties we can insure per landlord. The more properties you insure with us, the more of a discount we can provide.

Can I have accidental damage cover?

Yes. Whether your property is professionally managed or not we can add this on to your policy as an optional extra.

Do you provide property owners liability insurance?

Property owners liability insurance comes as standard as part of your buildings cover. If you require contents only cover this will need to be an add-on to the policy. Call our sales team on 0844 892 6218 for more information.

What do I do if I need to cancel my cover?

You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made). If you need to cancel your cover you will be charged relevant administration costs for setting up the policy. Please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease. Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries please don't hesitate to contact the customer services team on 0844 892 6218.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Landlords insurance claims promise

With Towergate you can be confident that, should the worst happen, your claim will be handled by a dedicated claims team offering the exemplary, fast and efficient service that we expect from our own teams and from our partners.

Simply contact the landlord claims team using the details within your policy documents, or call us on 0844 892 1384 and we will put you through to the claims team. They will talk with you about your claim, guiding you through your next steps and taking you through the process.

Furthermore if you feel you need additional support or if you have concerns about the progression of your claim, our in house team are always on hand to help.

Customer Reviews (1870)

Customers rate our service at 93%

Based on 1870 independent customer reviews.

DateProductScoreCustomer Comment

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.

Landlords Insurance (New Policy Holder)


The only criticism I have is the time it took to get through initially. However, once my call was answered the service and advise was excellent.

Landlords Insurance (New Policy Holder)


Excellent service

Home Business Insurance (Renewal)


I have been with Towergate for a number of years and they have always been clear and concise in explaining the insurance policied that were sitable to my requirements. I have no hesitation in recommending them to colleagues, which I know has been taken up.

Landlords Insurance (Renewal)


NO acknowledgment of payment sent for over a month
and then only afterprodding.

View all reviews >>

0844 346 0409
01883 724 013 Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
Get a quote Request a callback
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