Towergate Landlords Insurance

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Up to 35% no claims discount for careful landlords

Cover available for property undergoing renovation

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Benefits

  • Save up to 30% on your renewal premium
  • Up to £20k free contents cover available
  • Many tenant types acceptable
  • 25% multi building discount available
  • Greatest buy to let deals available
  • Up to 13 weeks cover for vacant properties

Towergate landlords insurance

As one of the country’s leading insurance intermediaries, you might rest assured that Towergate will go out of its way to secure the scope and level of insurance cover likely to be needed by your particular, individual buy to let business.

What’s in the nature of specialist landlords insurance?

The essential difference between landlords insurance and the cover that might be protecting your own home at this very moment is the simple – but critical – difference is that your home is your own place of residence, but a buy to property is a business asset, with rent paying tenants as your principal source of income.

The difference is critical if for no other reason than the insurer of your property recognising quite different risks and perils faced by the two types of property and the need to know, therefore, whether you have let the premises to tenants.

Unless you have arranged specialist landlords insurance, yet have tenants in your property, you are likely to find that the insurer which arranged any standard home insurance cover for you is likely to reject any claim in relation to the let property.

What does it cover?

To learn more about the principal areas covered by landlord insurance policies from Towergate, you might want to make use of our own quote and buy service.

Typically, however, you might want to keep in mind the following principal headings most commonly found in insurance for landlords of buy to property:

The building – unsurprisingly, a core element of landlords insurance is likely to be protection of the single most important asset, the building itself, against a range of potentially serious risks such as flooding, fire, escape of water, vandalism, and impacts;

Although cover for landlords contents may be arranged separately, it is typically cheaper when combined with the principal buildings insurance;

Loss of rental income in the event of a serious insured incident is also part of the typical insurance package for landlords, guaranteeing that not all rent is lost in these circumstances; and

Indemnity against the potentially substantial claims from tenants, their visitors and members of the public who suffer a personal injury or have their possessions damaged though contact with your premises is typically embraced by property owner’s liability cover.

Why choose Towergate landlord insurance policy?

Towergate policies may be of particular interest to those landlords who arrange tenancies for individuals across a number of different social backgrounds – professional individuals and their families, benefits claimants and students, for example.

It is still important that any tenants you recruit, however, are properly and adequately vetted by you – even when you have instructed letting agents to help find the tenants.

Towergate policies ensure that full cover for the property is maintained during period when it is temporarily unoccupied between the outgoing tenants leaving and new ones arriving.

We have a panel of insurers experienced with high risk policies. You may also be interested in insurance providers such as AXA, Royal Sun Alliance and Zurichall in one place.