Flat Roof Home Insurance

Property insurance for properties with flat roofs

  • Can cover second homes such as weekend or weekday homes
  • 24-hour claims helpline
  • Online support

Call us on 0345 266 8546 or get a quote online.

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Why choose flat roof home insurance with Towergate?


Friendly specialist property insurance team

We have a dedicated, specialist team to help you set up your policy, make changes to your policy and renew your policy. They are available weekdays between 9am - 5:30pm.


Outdoor contents cover

Contents includes outdoor accessories such as inflatable hot tubs, garden furniture and BBQs.


24-hour flat roof claims helpline

There is a 24-hour claims helpline available so you can report your claim as soon as it happens. Once you’ve reported a claim, the team will aim to call you back within 24 hours* to take you through the next steps.

Direct Debit

Spread the cost

You can spread the cost of your flat roof property insurance over monthly direct debit instalments.

About flat roof home insurance


Alternative accommodation cover

Should the worst happen and your flat roof property become uninhabitable our policy can help towards covering the cost of getting you comfortable and safe.


Contents cover

This policy provides content cover up to £100,000. You must lock all of your doors and windows when you leave the home for this cover to remain valid.

Accidental Damage

Accidental damage cover for flat roofs

We can add optional accidental damage cover for your building contents. This also applies when you rent the property out to guests.


Tracing and accessing leaks

We cover up to £5000 if there is a leak from water tanks, pipes or fixed heating systems which is causing damage in the home. We will also pay the reasonable costs for removing and replacing any other part of the building necessary to find and repair the source of the leak. As it’s a common problem among flat roofed properties, we do ask you to have an inspection carried out on your home every eight years to identify any issues.


Homecare emergency available (additional cover)

You can add homecare emergency cover to your policy which gives you access to a 24-hour helpline.

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 0345 074 4760 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!
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Flat roof home insurance FAQs

A flat roof has a shorter life span than a tiled roof, and as a result they are more prone to leaking. As a result, some insurers who provide standard home insurance may exclude properties constructed with a flat roof or provide limited cover for claims like leaks. Our policy can provide cover for flat roof homes and cater for the risks associated with the construction.

What’s more important to us is the state of repair of the roof. We will need to know roughly how much of your roof is flat, but we can usually accommodate for any percentage.

We can consider a roof that is constructed from asbestos providing it does not exceed 49% of the total roof. This can be considered on referral to our Specialist Property team.

Yes, we can cover various types of flat roof, including rubber membranes flat roofs.

We have policies designed specifically for park homes and mobile homes so it’s worth talking to our team in Cheltenham for cover.

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.

You can pay by credit card, debit 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 the insurance product information document and policy wording, which are available during the quotation process.

Read more FAQs

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