Coronavirus help and support for our insurance customers

Home Insurance

Buildings insurance and contents insurance for your home.

  • Choose to add on home emergency and legal support
  • Alternative accommodation offered if damage makes your home uninhabitable
  • Emergency cover and 24-hour helpline for legal expenses available

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Call us now for a competitive home insurance quote:

0344 892 1753
0344 892 1750

Weekdays 9:00am - 5:30pm

Features of our home insurance

24-hour home emergency cover

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, it’s available as many times as you need it during your insurance policy, just limited to £500 per claim. When your home is unoccupied for more than 60 days you must turn off electricity, gas and water and drain down your pipes for cover to remain valid.

Alternative accommodation insurance

If the worst happens and your home becomes uninhabitable, you’ll have cover in place towards the cost of staying somewhere else. The policy provides you with funds of up to 20% of the value you have chosen to insure your building for or, where you have only insured contents, up to 20% of the value you've insured your contents for. It's important to remember that you may need to cover this cost until we can provide means of reimbursement. You should always let us know if you need to use the cover before you arrange anything.

Home contents cover

The policy provides contents cover up to £100,000. If you have students in your family who are living away from home, their contents can be covered up to £2,000 in their university accommodation. In December we automatically increase your cover by 10% to allow for Christmas presents and for weddings, your contents will be increased by 10% for the month prior to and the month following your wedding day. As usual you must lock all of your doors and windows when you leave the home for this cover to remain valid.

Non-standard property insurance

There's a chance your home is actually classed as a non-standard home and therefore it can be a little more tricky to find insurance. We have policies designed to suit a range of property types including thatched homes, homes with lodgers, homes in flood risk areas, holiday homes, unoccupied homes and more. Discover the full range here.

Home Insurance Claims

Remember that if there's been a theft, act of vandalism or loss to the home, contents or contents away from the home, you should call the police first of all. Your insurer will need an incident number to get your claim started.

Make sure you take photographs of any damage where possible and try to provide us with as much information as you can when you call through.

Need to make a claim?

Call our helpful team on 0345 074 4760.

Email the team at

Our opening hours are Monday to Friday 8.30am - 5.30pm.

Home Insurance Articles & Guides

We don't just know a lot about insurance, we know a lot about homes too:

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Advice on developing a property for the location it’s in

In this video James Dewane joins us again for more advice on property development. This time we look at the location and how making the right decisions based on its location can save you time and money and help you to sell on quickly.



How to Protect Your Home While You're Away

Unoccupied home insurance requires that the property looks ‘lived in’ even when it isn't, likewise we don’t want to advertise our absence when we’re away on holiday to potential thieves. We've look into the useful tips you can use to secure your home while you’re away.

Tenant Referencing For Landlords Social Image


A Guide to Inheriting a Property

Our guide to inheriting a property answers many of the common questions customers have during this difficult time. To keep you from feeling overwhelmed, this article highlights the most important points to consider - including of course, how to insure an inherited home.

Home Insurance FAQs

If I am in lockdown away from my primary home for more than 30 days due to Covid-19, will my standard home insurance still be valid?

If you or your designated are unable to visit your primary home entirely as a result of being elsewhere when the current period of government-enforced self-isolation/lockdown due to COVID-19 began, and you have taken reasonable steps to try to protect the property, the home inspection element of your home insurance policy may be suspended. Please speak to your adviser to confirm.

What if I have a lodger?

We have a policy specifically for those who have lodgers in their home. That way you can be covered for the additional risks associated with having a lodger in your home. You can contact our team in Colchester for Lodger Insurance.

Do you offer home emergency cover?

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.

What if I've had previous claims?

We specialise in providing cover where other insurers can’t. If you've had previous claims we will still consider your case whether or not you've been rejected by other insurers. This is also handled by our Colchester team and details can be found on our contact page. In all cases, the more information you are able to provide regarding your previous claims, the better.

Can you insure my home if it’s a flood risk?

Homes which are at risk of flood are often a little trickier to insure. 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. You can read more on insurance, provided by our team in Colchester, for flood risk areas here.

I run my business from my home, will this policy cover me?

Running a business from your home often means you have slightly different need to a standard home. See our home business insurance webpage for more details.

What is property owner’s liability?

Property owners liability is related to one’s legal responsibility to properly maintain property they own so it is not a danger to others. If a form of negligence connected to the property causes a third party to be injured or their property to be damaged, they may seek compensation from the property owner. Subsequently, it’s important to have insurance in place to cover this, most home insurance policies including our own, include this as standard.

How can I pay for my premium?

You can pay by credit card or monthly direct debit.

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