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Student Landlord Insurance

We offer cover for landlords who rent to students.

  • Option to include insurance for accidental damage by tenants for both the building and your contents.
  • Reduced premiums for experienced landlords with no claims.
  • Access your quotes, policies and renewals in your online account

Call us on 03308 285 525 or get a quote online

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Why choose student landlord insurance with Towergate?

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Loss of rent insurance

Protect your income with our extended loss of rent policy. We cover you for lost rental income if the property becomes uninhabitable due to damage by fire and other insured perils.

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Theft and accidental damage cover for landlords

Tailor your insurance to include theft by tenants and accidental damage cover

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More personal

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Direct Debit

Pay for your student landlords cover by Direct Debit

You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on direct debit 

About student landlord insurance

Student landlord insurance is specifically for landlords who rent to students, with optional cover for accidental damage by tenants for both the building and your contents.

Why do I need landlord insurance for student lets?

Landlord insurance when you rent to students is not necessarily different from a typical landlord insurance policy. Not all insurers are able to cover students, but a specialist insurance provider like Towergate will go to a panel of insurers on your behalf to find cover based on your specific needs. If you rent to students, just let us know what you need to cover and we’ll help find insurance to fit your student let.

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Loss of rent for student landlords

If your property were to become uninhabitable due to fire, flood or another insured peril, it could take time to complete the repairs. The rent you receive from your student tenant(s) could also cease due to the incident. You can choose a student landlord insurance policy that includes loss of rent for these circumstances. Indemnity periods can be tailored up to three years from the date when the loss occurred. Many policies can also cover the costs of alternative accommodation for your tenants during this time.

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Malicious acts and damage caused by tenants

Malicious acts cover is featured on Towergate’s standard property insurance and is available online. Commonly, malicious damage when caused by members of the public, is covered by the majority of landlord policies available. However, frequently landlords ask us for malicious damage to the building caused by their tenants. If this is important to you, we recommend you call us for a tailored quotation.

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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).

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Cover for accidental damage caused by tenants

Whoever you rent to, accidents can happen. Putting a nail through a pipe or spilling wine on the carpet, are just some examples where accidental damage cover could be applicable to help you pay for necessary repairs to your property. Accidental damage, as with any other insurance, does not cover wear and tear. 

When you need to make a claim, the claims team will 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.
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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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Student landlord insurance FAQs

Landlord insurance when you rent to students is not necessarily different from a typical landlord insurance policy. Not all insurers are able to cover students, but a specialist insurance provider like Towergate will go to a panel of insurers on your behalf to find cover based on your specific needs. If you rent to students, just let us know what you need to cover and we’ll help find insurance to fit your student let.

We've all been young and our attitude to risk can vary considerably. Whilst we can't stereotype all students as being the same, it's generally accepted that they can pose a greater risk in the eyes of an insurer. Hence the number of insurers able to provide cover will be limited.

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.

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 policies and the administration fees.

We can also include any new policies pro-rata, meaning you can keep the same renewal date for all your properties.

HMO landlord insurance is insurance for landlords who rent houses in multiple occupation. Terms are slightly different to those of a regular landlord insurance policy and you will need to register the property as an HMO in order to get a HMO insurance policy. Thereafter, it’s very similar to a standard landlord insurance policy and can cover property owners' liability, risks to the building and risks posed by tenants.

The lease on HMO insurance properties is different and due to the number of people inhabiting the property, the address must be registered as an HMO residence. HMO insurance presents a considerably higher risk as there are multiple occupants, it requires that the premises must be the occupant’s main place of residence or used by students during term time.

The cost of landlord HMO insurance can vary considerably depending on the size of the building, number and of tenants, and more. Experienced landlords, like those who offer DSS property rental are likely to get a discount on Towergate policies and equally, if you have multiple properties, like a block of flats, we will usually be able to get you a better deal. Speak to the team to find out how we can help.

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.

Read more FAQs

Student landlord articles and guides

Maintaining a Good Tenant Landlord Relationship

With huge competition for rental properties, and landlords feeling financial pressure, you must dedicate 100% effort to tenant-landlord relationships.

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What are Tenants Looking For in Rental Properties?

With landlords under more pressure than ever to attract reliable tenants, read what today’s renters are looking for.

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Is Buy-To-Let Still Worthwhile for Private Landlords?

When it comes to private landlords, one of the biggest considerations for 2022 is – is it still worth investing in a buy-to-let?

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The Cost of Being a UK Landlord

When renting out a property, repairs are inevitable. Whether caused by tenants, bad plumbing or intense weather conditions, as a landlord, you’re responsible for most of the repairs in your home. Over time, costs can start to add up rapidly, especially if you are letting multiple properties.

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The Cost of Living Crisis: The Impact on Landlords

With much of the media focus on the impact of the crisis on renters, let’s look at how the current climate is affecting landlords too.

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What Landlord’s Insurance Do I Need?

Not sure what landlord’s insurance you need?  Residential or commercial, mixed-use, or multiple premises we’ve got it covered.

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