Towergate Landlord Insurance Review 2026: Cover, Costs & Who It’s For Quick Answer
Towergate (now Everywhen) is particularly worth considering if you need landlord or property-owner insurance that isn’t necessarily suited to a simple off-the-shelf policy.
Towergate operates as an insurance broker and has a substantial specialist property insurance offering. Its current property-owner proposition covers residential property risks and can accommodate private landlords through to larger property investors.
This makes Towergate particularly relevant to landlords who want to discuss their property or portfolio with a broker rather than simply buying a standard policy based on headline price.
Towergate Landlord Insurance Our Summary
Provider type
Insurance broker
Single rental properties
Yes, subject to risk and underwriting
Property portfolios
Relevant to portfolio and property-owner risks
Specialist properties
A significant part of Towergate’s wider property proposition
Standard online price
Not one universal price — premiums depend on the property and risk
Main strength
Specialist property expertise and access to insurance markets
Worth comparing if
Your property or portfolio needs more than a basic landlord policy
Compare alternatives if
You have a straightforward rental property and primarily want the lowest suitable premium
Compare Landlord Insurance Quotes →
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Key Takeaways
Towergate is an insurance broker rather than simply one insurer selling one standard landlord policy.
Its property offering is particularly relevant to landlords, property owners, investors and portfolios.
Towergate’s own current property material emphasises specialist property risks and tailored cover.
There isn’t one standard Towergate landlord insurance price that applies to every property.
Premiums and cover depend on the property, occupancy, location, sums insured, claims history and other underwriting information.
Specialist risks can be a stronger reason to consider a broker such as Towergate than a straightforward buy-to-let requiring basic cover.
Don’t compare landlord insurance on premium alone – buildings cover, liability, loss of rent, excesses and exclusions can materially differ.
Optional and specialist covers shouldn’t be assumed to be included unless shown in the quotation and policy documents.
How Do We Work?
Our comparisons are researched and reviewed by the Compare Your Business Costs editorial team using provider information, official UK guidance and business buying criteria. See how Compare Your Business Costs works.
Authored by: Ally Cox – Business Technology & B2B Services Specialist, 10+ years’ experience.
Last updated: October 2026
Contents
What Is Towergate Landlord Insurance? Towergate provides insurance solutions across a wide range of sectors, including specialist property and real-estate risks and for landlords, the important distinction is that Towergate is an insurance broker.
Rather than every landlord necessarily receiving the same standard policy from one insurer, a broker can assess the risk and seek appropriate cover from the insurance markets it works with.
That can become particularly useful when a property is harder to fit into the standard landlord-insurance boxes.
Towergate’s current property-owner material describes clients ranging from private landlords to major property investors and highlights tailored protection for the risks associated with individual properties and portfolios.
Why Does Using a Broker Matter?
Straightforward landlord insurance can sometimes be purchased directly from an insurer or through a comparison journey.
A broker can become more useful when the risk is more complicated.
For example:
multiple rental properties
unusual property construction
mixed property portfolios
high-value properties
properties with unusual occupancy
periods of unoccupancy
commercial and residential property interests
complex insurance requirements
That doesn’t automatically make a broker better or cheaper.
It means the route can be more appropriate when the risk requires greater underwriting or specialist insurance-market access.
Who Is Towergate Landlord Insurance Best Suited To? Towergate is particularly worth adding to your shortlist if you’re a landlord or property owner with requirements that go beyond simply finding the cheapest standard policy.
Landlord Type How Relevant Is Towergate?
Single standard buy-to-let
Worth comparing, although mainstream alternatives may also be competitive
Several rental properties
Particularly worth considering
Professional landlord
Strong reason to compare
Property investor
Relevant to Towergate’s specialist property proposition
Complex property risk
One of the stronger reasons to consider a specialist broker
High-value property
Worth discussing where standard policies aren’t suitable
Property with unusual occupancy
Potentially suitable, subject to underwriting
Unoccupied property
Specialist cover may be required and restrictions can apply
When Could Another Provider Make More Sense?
If you have one straightforward buy-to-let property and simply need conventional buildings and liability cover, it makes sense to compare Towergate with mainstream landlord insurers and other brokers.
A specialist proposition is valuable when you need specialist help.
It isn’t a reason to pay more for complexity you don’t actually require.
Compare landlord insurance for your property →
What Can Towergate Landlord Insurance Cover? The exact cover available will depend on the risk, insurer and policy Towergate arranges, so you should therefore treat the quotation and policy documents as the definitive description of your cover.
When comparing landlord insurance, the main areas to investigate include:
Buildings Insurance Landlord buildings insurance can protect the structure of the rental property against insured events and depending on the policy, this can relate to risks such as fire, flood, storm and other specified damage.
The important figure isn’t necessarily the property’s market value.
Your buildings sum insured should reflect the appropriate rebuilding requirement for the property.
Landlord Contents Insurance If you provide furniture, appliances or other contents within the rental property, you may also need landlord contents cover.
This is particularly relevant for furnished and partially furnished properties.
Check:
what counts as landlord contents
the maximum sum insured
single-item limits
accidental damage provisions
theft conditions
Property Owners’ Liability Property owners’ liability can protect against eligible claims where someone suffers injury or property damage associated with your responsibilities as a property owner.
This can be an important part of landlord insurance.
Check the liability limit included in any quotation.
Loss of Rent Some landlord policies can protect rental income where an insured event leaves the property uninhabitable.
Don’t confuse this with rent guarantee insurance .
Loss-of-rent cover normally relates to an insured property event.
Rent guarantee cover relates to circumstances in which an eligible tenant fails to pay rent, subject to the specific policy terms.
They solve different problems.
Alternative Accommodation Depending on the policy, cover may be available for eligible alternative-accommodation costs following an insured event.
Check exactly:
when it applies
the financial limit
how long cover lasts
which insured events trigger it
Accidental Damage Accidental damage shouldn’t automatically be assumed to be included.
Check whether it is:
included as standard
optional
subject to additional excesses
restricted for particular occupancies or property types
Legal Expenses Legal-expenses protection may be available depending on the policy.
Check the precise circumstances covered rather than assuming every landlord dispute is included.
Towergate Specialist & Portfolio Landlord Insurance This is where Towergate becomes more interesting than a simple headline-price comparison – Towergate’s current property material emphasises its ability to arrange insurance across a broad range of property-owner risks.
Property Portfolios Managing several properties can make separate individual policies cumbersome.
Portfolio insurance can potentially make it easier to manage multiple properties under a more coordinated insurance arrangement.
When comparing portfolio cover, check:
whether all properties can be included
how new acquisitions are added
whether different property types are accepted
how claims affect the wider portfolio
how premiums change when the portfolio changes
the sums insured for each property
Unoccupied Properties Unoccupied property can be treated differently by insurers because the risk changes when nobody is regularly occupying the building.
Towergate’s current property material notes that vacant exposures can be subject to restrictions.
If a rental property will be empty for an extended period, tell the insurer or broker.
Standard landlord cover shouldn’t be assumed to continue unchanged.
You can also read our guide to unoccupied property insurance .
HMOs & Multi-Unit Properties HMOs and multi-unit properties can have different insurance requirements from a conventional single-tenancy buy-to-let.
If you operate an HMO, disclose the occupancy and property arrangement accurately when requesting a quotation.
Don’t assume a policy designed for a standard single-family tenancy automatically provides appropriate HMO cover.
Holiday Lets & Short-Term Rentals Short-term rental properties can create different occupancy patterns and risks from conventional residential tenancies.
If you operate a holiday let, serviced accommodation or short-term rental, make that clear during the quotation process.
Mixed & Commercial Property Risks Towergate also operates extensively within commercial property insurance.
That can make it worth investigating for landlords or investors whose portfolios extend beyond conventional residential buy-to-lets.
How Much Does Towergate Landlord Insurance Cost? Towergate doesn’t have one meaningful landlord insurance price that will apply to every property.
That’s particularly important because much of Towergate’s appeal is its ability to work with different types of property risk.
A standard two-bedroom rental property and a large multi-property portfolio aren’t comparable insurance risks.
For that reason, we wouldn’t use a generic Towergate price as a reliable indication of what your property will cost to insure.
Compare landlord insurance quotes →
What Affects the Cost of Towergate Landlord Insurance? Insurers can consider numerous factors when calculating a landlord insurance premium, and these can include:
property location
property type
construction
rebuild value
number of properties
occupancy
tenant type
claims history
security
flood and subsidence exposure
periods of unoccupancy
buildings sum insured
contents value
liability limit
optional covers
policy excess
Does a Property Portfolio Cost More to Insure? A larger portfolio naturally means more property is being insured, but you shouldn’t judge value by total premium alone.
For professional landlords, it can be more useful to examine:
cost per property
quality of cover
administration
policy flexibility
claims arrangements
ability to add and remove properties
Can You Get a Cheaper Towergate Quote? Potentially, but reducing the premium shouldn’t be the only objective.
Consider whether you can:
select an appropriate excess
improve property security
provide accurate rebuild values
remove cover you genuinely don’t need
combine appropriate portfolio risks
compare the market before renewal
Don’t understate the risk or reduce important cover simply to obtain a lower premium.
What Should You Compare Before Choosing Towergate? A Towergate quotation is only useful in context but when comparing it with another landlord insurance quote, check:
1. Buildings Sum Insured Make sure you’re comparing similar rebuilding protection.
2. Landlord Contents Check whether contents are included and at what level.
3. Property Owners’ Liability Compare the liability limit.
4. Loss of Rent Check whether it’s included, the maximum amount and the circumstances in which it applies.
5. Accidental Damage Establish whether it is standard, optional or excluded.
6. Excess A cheaper premium accompanied by a materially higher excess may not represent better value.
7. Unoccupancy Conditions This is particularly important between tenancies or during renovation.
8. Tenant & Occupancy Restrictions Make sure the policy is appropriate for the people actually occupying the property.
9. Exclusions Read the exclusions that apply to your specific property and activities.
10. Total Premium Compare price only once you’ve established that the policies offer broadly suitable protection.
Two landlord insurance quotes aren’t directly comparable simply because they insure the same address.
Compare Towergate with other landlord insurance options →
Towergate Landlord Insurance Pros & Cons
Potential Advantages Points to Consider
Specialist property-insurance experience
A specialist broker isn’t automatically the cheapest route
Relevant to private landlords through to larger property investors
No single standard price applies to every property
Can be particularly useful for more complex property risks
Cover varies according to the individual risk and policy
Broker model can provide access to different insurance markets
A straightforward landlord may also want to compare direct insurers and other brokers
Strong fit for landlords needing a more tailored conversation
You’ll need to check the actual insurer, terms, exclusions and excesses in the quotation
Towergate vs Other Landlord Insurance Options Towergate isn’t the only landlord insurance route worth considering.
The right shortlist depends heavily on the property.
Towergate vs Direct Line Landlord Insurance A direct insurer can appeal to landlords wanting to deal directly with one insurance provider.
Towergate’s broker-led proposition becomes particularly relevant when the risk requires more specialist consideration or access to different insurance markets.
Read our Direct Line Landlord Insurance guide →
Towergate vs Aviva Landlord Insurance When comparing Towergate with a large insurer such as Aviva, don’t focus purely on brand.
Compare the actual quotation, including:
buildings cover
contents
liability
loss of rent
excess
exclusions
Read our Aviva Landlord Insurance guide →
Towergate vs Simply Business Landlord Insurance Both routes can involve comparing or arranging cover rather than simply buying one universal policy and the relevant question is therefore what insurance options are available for your particular property and what the resulting policies actually cover.
Read our Simply Business Landlord Insurance guide →
Towergate vs Admiral Landlord Insurance For a relatively straightforward rental property, it’s sensible to compare specialist broker options with mainstream landlord insurance providers.
For more unusual risks, investigate whether the standard product can accommodate the property before comparing price.
Read our Admiral Landlord Insurance guide →
Our View: When Towergate Landlord Insurance Makes Sense We think Towergate is most interesting when the property is the reason you need specialist help — not simply because you’re looking for any landlord insurance policy.
For a straightforward buy-to-let, there are plenty of landlord-insurance routes worth comparing.
Towergate becomes particularly relevant as complexity increases.
For example
One conventional rental property → compare Towergate alongside mainstream landlord insurers. Several properties → Towergate becomes more interesting. Complex occupancy or property risk → specialist broker expertise becomes more valuable. Large or varied portfolio → investigate portfolio and specialist property cover. Commercial and residential property interests → Towergate’s wider property expertise may become particularly relevant.
The important distinction is that “specialist” doesn’t automatically mean “better”.
If your needs are simple, a simpler policy may provide perfectly suitable protection at a competitive premium.
But if mainstream insurers struggle with your property or portfolio, a specialist broker is exactly the type of route we would investigate.
What We Would Compare
Our order would be: Property risk → required cover → sums insured → specialist requirements → exclusions → excess → insurer → premium.
Not: Premium → everything else.
That distinction matters particularly for landlords because apparently similar policies can respond very differently to occupancy, unoccupancy, property type and loss-of-rent risks.
Compare landlord insurance quotes →
Free comparison • No obligation • Compare options for your rental property or portfolio
Towergate Landlord Insurance FAQs Is Towergate good for landlord insurance?
Towergate is particularly worth considering for landlords who want access to specialist property-insurance expertise or have requirements that may not fit a basic off-the-shelf policy. Whether it is suitable for you depends on the property, cover, insurer, terms and premium offered.
Is Towergate an insurance company?
Towergate operates as an insurance broker. This means the insurance policy may be underwritten by an insurer that Towergate works with rather than Towergate itself being the insurer carrying the risk.
Does Towergate insure individual rental properties?
Towergate’s property proposition includes private landlords as well as larger property owners and investors. Acceptance and terms depend on the individual risk.
Does Towergate cover landlord portfolios?
Towergate works with property-owner and portfolio risks. If you own several properties, ask how the proposed arrangement handles individual properties, additions, removals, sums insured and different occupancy types.
Does Towergate insure HMOs?
Towergate operates in specialist property insurance, but don’t assume a particular HMO is automatically acceptable. Disclose the HMO status and occupancy arrangements and obtain a quotation based on the actual risk.
Does Towergate cover unoccupied properties?
Towergate’s current property material acknowledges vacant property exposures, but restrictions can apply. If a property is empty or will become empty, disclose this and check the specific terms of the policy.
Does Towergate cover holiday lets?
Towergate has broad specialist property capabilities, but a short-term or holiday-let property should be specifically declared during the quotation process. Don’t buy standard landlord insurance without checking that your actual letting arrangement is covered.
Does Towergate landlord insurance include buildings cover?
Buildings protection is a core area to investigate when arranging property-owner insurance. The exact insured events, limits, excesses and conditions depend on the policy offered.
Does Towergate landlord insurance include contents?
Contents cover may be relevant where a landlord owns furniture, appliances or other items within the rental property. Check whether it is included in your quotation and the applicable limits.
Does Towergate include loss of rent?
Loss-of-rent protection can form part of landlord/property insurance arrangements, but you should check the individual quotation for the circumstances, limits and indemnity period that apply.
Does Towergate offer rent guarantee insurance?
Don’t assume rent guarantee is included simply because loss-of-rent protection appears in a property policy. Rent guarantee is a different form of protection relating to eligible tenant rent defaults and can have specific referencing, eligibility and claim conditions.
Read our rent guarantee insurance guide for more information.
How much does Towergate landlord insurance cost?
There isn’t one universal Towergate landlord insurance price. Premiums depend on the individual property or portfolio, required cover and underwriting information.
Is Towergate landlord insurance cheap?
You need an actual quotation to determine whether Towergate is competitive for your property. A specialist broker shouldn’t automatically be assumed to be either cheaper or more expensive than a direct insurer.
Can I get Towergate landlord insurance for one property?
Towergate’s current property-owner proposition includes private landlords, so it isn’t exclusively aimed at large property portfolios. Whether it offers the most suitable option for a straightforward single property should be determined by comparing quotes and cover.
What information will I need for a landlord insurance quote?
Be prepared to provide information about the property, its construction, location, occupancy, tenants, rebuilding value, claims history, security, required cover and any unusual features.
Portfolio landlords may need information for each property.
Should I choose Towergate or a direct landlord insurer?
That depends on the risk. Direct insurance can work well for straightforward properties, while a specialist broker can become more useful for complex properties and portfolios. Compare the resulting cover and price rather than choosing purely on the distribution model.
Compare Towergate Landlord Insurance Quotes Towergate is particularly worth investigating if you have:
several rental properties
a professional property portfolio
a non-standard property
specialist occupancy requirements
complex property-insurance needs
But don’t assume it will automatically be the best-value option for your property.
Compare landlord insurance based on:
cover + limits + excesses + exclusions + specialist requirements + premium.
Compare Landlord Insurance Quotes →
Free comparison • No obligation • Compare landlord insurance for your property
Related Landlord Insurance Guides Hi, I’m Ally Cox , a senior copywriter and blogger at CompareYourBusinessCosts.co.uk, the UK’s trusted platform for comparing business services.over a decade of experience in the B2B sector, I specialise in simplifying complex topics like leased lines, VoIP, business energy, HR and payroll solutions, accounting software, and EPOS systems .HR, copywriting, and business operations- from clocking-in systems to card machines and office technology .informed, confident decisions when choosing products and services that improve efficiency and save money.