Landlord insurance

Insurance cover for landlords

Towergate Connect specialises in landlord insurance, also known as buy to let insurance and let property insurance. We're committed to offering great service and generous landlord insurance cover to individuals renting out their property or properties either personally or via a letting agency.

Whether you have just one house to let or several, we can help. We provide extensive building and contents cover for single properties and portfolios.

Renting out your property via a letting agency

Even if your property is managed by a letting agency, we understand you'll want the comfort of knowing your property and its contents are covered.

We provide cover for accidental damage caused by tenants and we give you the option to buy rent protection. In the event that your tenants breach the tenancy agreement and refuse to vacate your property, you'll find our rent protection indispensable. It would pay the rent until you take back possession of your property, meaning you wouldn't be out of pocket.

We also give you the option to buy legal expenses insurance, to help recover legal costs in situations where you need representation.

Renting out your property personally

As a residential landlord you face unique risks. In addition to insuring your property and its contents, you'll need to protect yourself against legal action arising from an accident or injury on your property. With our property owners liability insurance, you can be confident that you're covered.

Underwritten by a consortium of insurers lead by AXA, our cover is flexible with options to insure:

• Buildings and/or contents
• Just white goods, like your fridge or freezer
• All your contents, like sofas and beds

Key features of our landlord insurance

• Cover for properties let to professionals, students and DSS
• Cover for loss of rent due to an insured risk, such as fire
• Cover for alternative accommodation if the property becomes uninhabitable
• Cover for periods of vacancy e.g. between tenancy agreements
• Option to insure against accidental damage caused by tenants
• Up to 20% no claims discount
• Claims and loss adjusting service available 24/7
• Cover if let out privately or through a letting agent

Exclusions

• If your property is not professionally managed then theft will be excluded unless the loss or damage involves forcible entry to or exit from the property
• Malicious damage caused by your tenants may be excluded from your policy
• After 30 days of unoccupancy, your cover may be restricted (however, cover will still be in place)
• Storm damage to fences, gates or hedges
• Loss or damage caused by wear and tear
• The first £250 for escape of water claims, £1,000 for subsidence/heave/landslip claims and £50 for all other claims