Landlord Contents Insurance

Specialist landlord contents cover for your commercial property including furniture, fixtures and fittings. This is normally combined with your buildings insurance and purchased as one landlords policy.

0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5pm

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About Landlord Contents Insurance


Contents insurance for multiple premises

Cover suitable for both single properties and a portfolio

Accidental Damage

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

Direct Debit

Pay for your contents cover by Direct Debit

You can choose to split your payment into equal monthly instalments. Please read our dedicated page on Direct Debit.

Features of Landlord Contents Insurance

Standard cover

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.

Landlord Contents Insurance FAQs


What does landlord insurance cover?


The standard perils landlord insurance covers you for are the same as standard home insurance. They are things like fire, floods, escape of water, subsidence etc. The differences can be things like loss of keys, loss of rent, conditions on leaving it unoccupied, etc. Our online quote system or adviser will be able to discuss your requirements and find something that suits your needs exactly.

See more in our video on landlord contents insurance:


What is landlord contents insurance?


Watch our video:


Does landlord contents insurance cover me for loss of keys?


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.


How does having a different type of tenant such as DSS or students affect my policy?


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).


Can you offer landlord contents insurance for multiple properties?


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.


Do I need landlord insurance? Is it a legal requirement?


While landlord insurance is not a legal requirement, your mortgage lender may require that you do so. Also, the responsibilities in your tenancy agreement may be best served by an insurance agreement, especially to avoid putting your financial future at risk. You should speak to your legal adviser for specialist legal advice.


Do you offer loss of rent insurance?


You can claim for loss of rent if your building is uninhabitable due to insured damage or an accident which is covered by the property section of the policy.

Whilst landlord insurance can insure your property whilst it is empty, the loss of rent cover will not apply at this time. Unless the property is partially empty and undergoing rebuild following an insured loss during the indemnity period.


I’ve been told Towergate offer the cheapest landlord insurance, but my online quote is not the cheapest?


Whilst our online insurance portal offers suitable cover to a large proportion of our landlord customers, we always advise speaking to our advisers directly if you have anything out of the ordinary, want specific cover for something or want to discuss ways to get cover even cheaper. We can often discuss lowering areas of cover you may not need, or want, or help you source a discount.

As a specialist broker, we pride ourselves on understanding our customers’ needs and finding them a policy that offers the most suitable landlord insurance, at the right price. However, sometimes this is best done over the phone.


If my tenant(s) trashes my property can I claim?


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.


I’ve been a landlord for a number of years and I’ve never had to claim. Will this reduce my premium?


Absolutely. We really value experienced landlords and know that when you’ve been at it for a while, you tend to be lower risk. With that in mind, we reward careful and experienced landlords with reduced rates.


Can I pay in instalments?


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.


Where can I find more information about monthly Direct Debit?


If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

How do I make a claim?

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

Relaxed Person Making Claim