Landlord Contents Insurance
Specialist landlord contents cover for your commercial property
- Includes furniture, fixtures and fittings.
- This must be combined with your buildings insurance and purchased as one landlords policy.
- Access your quotes, policies and renewals in your online account
Call us on 0344 892 1664 or get a quote online
One of the UK's leading independent insurance brokers
Easily compare quotes
From our panel of trusted brands
Why choose landlord contents insurance with Towergate?
Contents insurance for multiple premises
Cover suitable for both single properties and a portfolio.
Accidental damage protection for contents
Accidental damage cover can be arranged for landlord’s contents. Often cover is standard for contents in communal areas.
Professional landlord contents insurance claim assistance
Expert advice to help you with claims you face.
Pay landlord cover by Direct Debit
Choose to spread your payment into 10 monthly Direct Debit instalments.
About landlord contents insurance
Accidental and malicious damage cover for contents
Our landlord contents insurance can include accidental and malicious damage cover.
Flexible limits of contents to suit your needs
We can offer flexible contents cover tailored for your requirements meaning you can choose the level of cover to meet your needs, whatever the value of the contents of your properties.
Property owners' contents liability cover
Property owners' liability insurance can be included as part of our contents insurance offering. This covers you for damage done by contents to a third party (e.g. tenants), from accidents such as furniture falling over or water tanks bursting. It is available as standard or at no additional cost (depending on your policy).
Loss of rent cover
You can claim for loss of rent if your building is uninhabitable due to an insured damage to landlords contents and buildings. We offer options of up to 36 months loss of rent. This can be included as part of your landlord buildings policy.
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 0344 892 1384 and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Select your insurer and price
- Relax - You're covered!
Landlord contents insurance FAQs
If you rent a genuinely empty house with no fixtures, furniture, appliances or personal items, you may not need landlord's contents insurance at all.
Yes, we can cover accidental loss of keys or where there is reasonable evidence that the keys have been copied by an unauthorised person. We can also cover the replacement of locks and damage from an emergency access.
Say your tenants vacate your property and keep a set of keys, or whilst unoccupied you lose the master set. Replacing the locks and keys, or worse, having to break in due to an emergency while you have lost your keys, can cost a considerable amount. We can offer peace of mind knowing these easy accidents can be covered by your landlord contents insurance.
Yes, we specialise in finding insurance policies for landlords with multiple properties. In fact, if you have between 1 and 50 properties we can often find you discounts on the premiums.
We can also include any new properties on a pro-rata additional premium basis, allowing you to keep the same renewal date for all your properties insured under one policies.
We can provide cover for a wide range of tenant types. So, if for example, that student party gets a bit out of hand and a window gets accidentally broken, you’ll be covered under the accidental damage section of your policy (if you’ve asked for that to be included in your policy).
We can provide malicious damage insurance. This doesn’t necessarily come as standard on all policies from our panel of insurers so make sure you ask us for it when you call us or get a quote online.
With malicious damage cover in place, if a tenant damages your building or your contents, you’ll be able to claim and we’ll do our best to recover the cost of the damage caused. So if a tenant spray paints your walls or slashes your sofas, we’ll sort it for you.
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.
If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.
If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.
See our range of cover for landlords
Landlord insurance articles and guides
A Landlord’s Guide to Paying Tax on Rental Income
This guide explains how to calculate your rental income and how to declare it to HMRC, with some helpful tax advice for landlords.
Read moreCharacter Reference Template for Landlords
As a landlord, you may sometimes have to provide past tenants with character references. Download our template letter and tips on what to write.
Read moreCosts of Being a Landlord
Whilst letting property can be a great way to make money there are still many costs associated with being a landlord.
Read moreLandlord Responsibilities
What responsibilities does a landlord have? Understand your duties as a landlord from health and safety to legal requirements.
Read more