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Renting out your second home
If you're in the happy position of having found and funded a second home it's important to ensure you get the most from your investment. While you and your family will almost...
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Coronavirus help and support for our insurance customers
Your guest may be short-stay but our insurance is with you all year round.
We can cover your guests’ possessions up to a value of £1,000 in any one insured period. This means you can make multiple claims but is capped at £1,000 until you renew your policy. This covers most luggage items including phones, laptops, jewellery and cosmetics. However, we are unable to cover your guest’s personal cash.
Naturally you’ll want to protect your income, but if something unexpected happens such as a burst pipe or a fire, you’ll need to make sure you’re covered if your guests can’t stay. Our policy can insure you for up to £100 per week for up to eight weeks to help your business tick along while repairs are made.
If a guest has an accident on your premises which is linked to their stay in your property you may be liable and have to pay out compensation. It might be towards the repair of something damaged or because they have been injured as a result of the accident. Either way, the policy can pay out up to £2m to a third party. Just be aware this cover does not apply to you or someone who is related to you.
We do our best to cover as many B&Bs as possible. If we can’t cover you though, we’ve probably got a friend who can. Our policy is limited to B&Bs with ten guests staying in five bedrooms but if your B&B is a bit bigger, let us know and we’ll happily source you a policy.
We recommend you report your claim as soon as possible and we have a 24-hour claims number so you can call us straight away.
Once reported, our claims team will call you back no more than 24 hours later with the next steps for your claim, hopefully we’ll get things sorted nice and quickly for you.
Call or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible.
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For unrelated guests that stay in your property you would not need this extra cover. Always check the terms of your current home insurance but it’s likely this will be adequate cover for your situation.
This particular policy is limited to ten guests staying in five rooms. Unfortunately this policy does not cover six people in six rooms or anything over ten people in your B&B at any one time. If you require more cover for more guests or rooms, please still get in touch and we’ll source you a more suitable policy.
Our B&B insurance policy does include loss of income but only in the case of an insured peril such as escape of water or fire. If a guest stays with you but refuses to pay, we are unable to pay out for this circumstance.
Yes, you can add cover for home emergencies to your property insurance policy.
Please talk to your Towergate adviser for details.
You can pay by debit card, credit card or monthly direct debit.