Landlords insurance cover
Towergate Insurance specialises in landlords insurance, also
known as buy to let insurance and let property insurance. We're
committed to offering great service and generous landlords
insurance cover to individuals renting out their property or
properties either personally or via a letting agency. Whether you
have just one house to let or several, we can help. We provide
extensive building and contents cover for single properties and
portfolios.
Speak to one of our specialist advisors today on 0844
346 3291
Renting out your property via a letting agency
Even if your property is managed by a letting agency, we
understand you'll want the comfort of knowing your property and its
contents are covered. We provide cover for accidental damage caused
by tenants and we give you the option to buy rent protection. In
the event that your tenants breach the tenancy agreement and refuse
to vacate your property, you'll find our rent protection
indispensable. It would pay the rent until you take back possession
of your property, meaning you wouldn't be out of pocket.
We also give you the option to buy legal expenses insurance, to
help recover legal costs in situations where you need
representation.
Renting out your property personally
As a residential landlord you face unique risks. In addition to
insuring your property and its contents, you'll need to protect
yourself against legal action arising from an accident or injury on
your property. With our property owners liability insurance, you
can be confident that you're covered.
Underwritten by a consortium of insurers including RSA and
Allianz , our cover is flexible with options to insure:
- Buildings and/or contents
- All your contents, like sofas and beds
Key features of our landlords insurance
- Cover for properties let to professionals, students and DSS,
including couples, families or single persons
- Cover for loss of rent due to an insured risk, such as
fire
- Cover for alternative accommodation if the property becomes
uninhabitable
- Cover for periods of vacancy e.g. between tenancy
agreements
- Option to insure against accidental damage caused by
tenants
- Up to 20% no claims discount
- Claims and loss adjusting service available 24/7
- Cover if let out privately or through a letting agent
Exclusions
- The first £250 for escape of water claims, £1,000 for
subsidence/heave/landslip claims and £100 excess for all other
claims. Excess amounts may vary according to different
schemes.
- If your property is not professionally managed then theft will
be excluded unless the loss or damage involves forcible entry to or
exit from the property
- Malicious damage caused by your tenants may be excluded from
your policy
- After 30 days of unoccupancy, your cover may be restricted
(however, cover will still be in place)
- Storm damage to fences, gates or hedges
- Loss or damage caused by wear and tear
- The first £250 for escape of water claims, £1,000 for
subsidence/heave/landslip claims and £50 for all other claims
