Flat Insurance

Specialist insurance for flats or apartments.

  • Three levels of home emergency cover
  • Access to a 24-hour helpline and network of reliable UK tradespeople
  • UK-based support

Call us on 0345 266 8542 or get a quote online.

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Why choose flat insurance with Towergate?

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Specialist Property insurance team

Specialist insurance cover requires a specialist knowledge. If you have any questions about our policy or if you need to make a change, our friendly customer service team is available Monday to Friday, 9am to 5:30pm.

Claim

24-hour flat claims pledge

We pledge to act within 24 hours of receiving your claim and within five days if you provide new information on an existing claim. Our approved suppliers and loss adjusters will also aim to contact you within 24 hours to ensure your claim is handled with utmost efficiency and ease.

Building

Cover for a range of apartments

Cover for a range of property types, including converted flats, and flats above shops or businesses.

Direct Debit

Spread the cost of flat cover

You can pay for the policy via monthly direct debit instalments to make the cost more manageable.

About flat insurance

Landlord

Alternative accommodation cover

If your home becomes uninhabitable and the claim for damage is covered under the policy, you’ll have cover in place towards the cost of staying somewhere else.

Money

Contents cover for flat leaseholders

If you are a leaseholder, we can cover your contents up to £75,000. If you are responsible for fixtures and fittings, we can also cover this too.

Building

Apartment freeholders - insurance for contents

If you are a freeholder we will cover your contents up to £75,000 as well as the building itself.

Snow

Seasonal cover

In December we will increase your cover by 10% to cover you for Christmas presents. In addition, if you are getting married, we will increase your cover by 10% for the month prior to and the month following your wedding day.

Liability

24-hour helpline for home insurance emergencies

You can choose to add home care emergency assistance as additional cover, and you’ll benefit from a 24-hour helpline for sudden, unexpected events. There is no excess to pay for this service and it will not affect your no claims bonus.

Care

Homecare emergency

Choose to add home care emergency assistance and you’ll benefit from a 24-hour helpline for sudden, unexpected events. A team will then assist you in making your home safe and secure once more and restore electricity, gas or your water supply if required. There is no excess to pay for this service and it will not affect your no claims bonus.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 01708 777 710 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Flat insurance FAQs

Flat insurance offers insurance cover for your flat. As a leaseholder you can cover your contents, extend that to include fixtures and fittings if you’re responsible for them, or you can get buildings insurance too if you own the freehold and are responsible for the building itself.

It depends whether you want a contents insurance policy, a buildings insurance policy, or a bit of both. Call our team on 0344 892 1750 to get started or get a quote online.

Yes, you can add cover for home emergencies to your property insurance policy.

Three levels of home emergency cover, starting with emergency repairs to the primary heating system at your property

Extend to include emergency repairs to your drainage and water services, securing broken windows and doors - and dealing with pest infestations

Access to a 24-hour helpline and network of reliable UK tradespeople

Please talk to your Towergate adviser for details.

With a demised property you’re responsible for things like your floorboards and plaster walls to ceiling, as well as fixtures and fittings, and of course your contents. Some insurance companies won’t cover demised premises, but at Towergate we do. Just talk to our team and we’ll see what you need, and what we can do.

We specialise in providing cover where other insurers can’t. If you’ve had previous insurance claims we will still consider your case, whether or not you’ve been rejected by other insurers.

You’ll need a specialist landlords insurance policy, as this will cover you not just for your contents or buildings but things like public liability and loss of rent, too. You can call our specialist team on 0344 891 1750.

Yes, we can cover your home if you work from home. We can also offer business insurance for your home business. Give us a call and we’ll chat through your options.

Yes, we have policies which will cater for flood in some of the harder to cover areas and can often refer cases to our insurers to try and find you a policy.

Yes. If there’s an insurable incident at your flat – like a leak, or a fire, anything that you’re going to claim for - and the damage means you can’t live there while it’s fixed, we’ll put you up in a B&B or hotel.

There are limits to this cover, though. You’ll get accommodation paid for up to 20% of your rebuild cost – if you have buildings insurance, or 20% of your contents value – if you just have contents insurance, or whichever is greater if you have both.

You’ll be asked to supply these figures when you get your flat buildings and/or contents insurance, estimating what it would cost to rebuild the property from scratch, or what it would cost to replace the contents from scratch.

You can pay by credit card or monthly direct debit.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

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See our range of home and property cover

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Enter your house value to see which home renovations will bring you the biggest profit.

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