Landlord Insurance is arranged by Towergate Insurance, a trading name of Towergate Underwriting Group Limited (Towergate House, Eclipse Park, Sittingbourne Road Maidstone, Kent ME14 3EN) which is authorised and regulated by the Financial Conduct Authority (FCA number 4043759).

Provided by Towergate Insurance. Read more.

Landlord Insurance

Get a discount on each property you add to your policy.

Admiral has partnered with Towergate to provide insurance for landlords. Towergate specialise in insuring properties which we are unable to cover and compare quotes from a number of other insurers as well as their own insurance policies.

Protecting you from the unexpected

If you’ve paid out for work on your home you know just how expensive it can be, and for a landlord with multiple properties the bill can be even higher.

The right cover will protect you against everything from tenants failing to pay their rent to accidental damage caused to your property. ...More

Flexible buildings and contents cover is available for single properties and portfolios, whether you are renting personally or through a letting agency. And it’s available on all property types including detached, semi-detached and terraced houses, flats and maisonettes, whether freehold or leasehold.

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How is landlord insurance different to home insurance?

If you are earning an income from a property that you are letting out to a tenant you will be classified as a business, so standard home insurance will not cover you.

A standard home insurance policy will not give you the level of cover you need; your buy-to-let property needs specialist cover to protect the structure itself, any contents you leave at the property while it’s being rented out and, should you wish, the income you earn as a landlord.

Landlord insurance can offer:

  • Cover for properties let to professionals, students and DWP including couples, families and single tenants
  • Cover for loss of rent if your property becomes uninhabitable due to damage or an accident

You can also choose to add optional cover for extra peace of mind:

  • Cover for accidental damage caused by tenants
  • Malicious damage by tenant cover
  • Legal cover – help with legal fees should a case be taken to court by you or the tenant
  • Emergency assistance - 24hr emergency call outs covering plumbing, gas or electricity failure, security to windows, doors and roofing, hot water failure, vermin, central heating or boiler failure

As with all insurance, landlord insurance is there to protect you from the unexpected and make sure your buy-to-let property and investment is in good hands.

While it’s not compulsory like car insurance, protecting the most expensive thing you’ve ever bought could save you a lot of money in the long run.

Property portfolio discounts

Towergate recognises experienced landlords and offers them discounted rates on their insurance. If you own more than one property you could also receive a discount; as well as saving on administration fees you will receive a discount on each property you add to the cover. And, you can add properties mid-policy if you wish.

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Landlord liability insurance

While it is a landlord’s responsibility to make sure their properties are safe for tenants, accidents do happen. Should someone injure themselves at a property you are renting out, you will be covered with liability insurance.

It will also protect you should you get a tenant or visitor who decides to sue you if they were involved in an accident, or had any of their possessions damaged, at your property.

Will landlord insurance cover me for subsidence?

Landlord insurance can provide cover for subsidence, however, you must declare if your property has a history of subsidence when getting a quote. An inspection of the property will take place in order to establish the risk of further damage before a price is given.

How do I get a quote?

You can get a quote for landlord insurance by requesting a call back or by calling 0344 892 1512.

Towergate Insurance

Landlord Insurance is arranged by Towergate Insurance, a trading name of Towergate Underwriting Group Limited (Towergate House, Eclipse Park, Sittingbourne Road Maidstone, Kent ME14 3EN) which is authorised and regulated by the Financial Conduct Authority (FCA number 4043759).

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