Towergate Landlord Insurance Review 2026: Cover, Cost & Who It’s Best For Quick Answer
Towergate landlord insurance offers flexible cover for single properties, portfolios and specialist landlords, with tailored policies rather than one-size-fits-all pricing!
Towergate Landlord Insurance is one of the UK’s leading insurance providers for landlords, offering their customers with a wide range of flexible and tailored coverage options for both single-property landlords and those managing large portfolios.We particularly like that their policies are customisable to meet the specific needs of different types of rental properties, including HMOs, holiday lets, and commercial properties.
For further information and pricing on landlord insurance, here .
How do we work?
Transparent, impartial, and data‑driven reviews made by a team of expert humans, never AI generated – here’s exactly how Compare Your Business Costs helps you find the best deals from trusted UK providers: click here
Authored by: Ally Cox (Business Technology & B2B Services Specialist 10+ Years’ Experience)
Reviewed by: James Ward (Telecoms Specialist, 12+ Years Experience)
Last Updated: January 2026
Contents
Benefits of Towergate Landlord Insurance
Downsides of Towergate Landlord Insurance
What Other People Think of Towergate Business Insurance
What Do Staff Think of Towergate Landlord Insurance?
Our Verdict on Towergate Landlord Insurance
How have we rated Towergate Landlord Insurance?
For every provider we assess, including Towergate Landlord Insurance, we rate them out of five stars on the five most important categories we have researched for the product / service offering. You can read about out review process & methodology here .
Why listen to our reviews?
With over ten years of experience in evaluating telecom products, our team brings a wealth of knowledge to understanding the market pros and cons. You can read more about our expert team here.
Benefits of Towergate Landlord Insurance
Towergate is particularly strong in landlord, commercial and higher-risk insurance, including HMOs, portfolios and niche sectors.
Towergate often builds bespoke cover rather than relying on rigid, off-the-shelf products.
Towergate works with multiple insurers, increasing the chance of finding cover for complex risks.
any customers value access to knowledgeable advisers, especially for non-standard properties or businesses.
They are suitable for landlords or businesses that expect to expand portfolios or operations over time.
Downsides of Towergate Landlord Insurance
Towergate is rarely the lowest-cost option for simple or low-risk policies
Less suited to “quick quote” users
Costs depend heavily on underwriting, which may feel less predictable than fixed-price policies.
Mixed customer service feedback.
Summary of Towergate: Real Reviews Towergate Landlord Insurance is well-regarded by businesses for its personal service and tailored coverage options, and many customers praise the company’s ability to provide bespoke insurance solutions that meet the specific needs of their industry, especially for niche or high-risk sectors like construction, healthcare, and hospitality.
Towergate Commercial Video
Towergate: What To Expect as a User Don’t have time to watch the video guide? Here’s a visual of the Towergate interface so you know what to expect:
Towergate: What Sets it Apart From Its Competitors? Towergate Landlord Insurance stands out to us from competitors by offering tailored, flexible policies that cater to a wide range of landlord needs – so whether landlords manage a single buy-to-let property or a large portfolio, their ability to provide bespoke coverage for different property types—including HMOs, holiday lets, and commercial properties—sets it apart from more standard providers
What Do Staff Think of Towergate? Employees at Towergate take pride in the company’s ability to offer tailored insurance solutions and work closely with businesses to address their specific needs.
Towergate Latest News ‘Ex-Towergate leader Simon Trott joins travel specialist Ancile’.
Read more here .
‘Towergate Health & Protection acquires Benefiz’.
Read more here .
‘Towegate a pillar of support for Highland Businesses’.
Read more here .
Improvements of Towergate Over the Years
Towergate has introduced more bespoke coverage options for HMOs, holiday lets, and high-value properties, ensuring comprehensive protection for a broader range of landlords.
The company has improved its risk management offerings, helping landlords proactively manage risks and reduce claims.
Towergate has introduced more flexible options for tailoring policies, allowing landlords to add or remove cover as their needs evolve.
Towergate has invested in expanding its customer service team, providing faster response times and more personalised support for landlords.
Issues of Towergate Over the Years
Some landlords with niche or high-risk properties have reported higher premiums compared to standard policies offered by general insurers.
While Towergate generally receives positive feedback for claims handling, some landlords have experienced slower processing times for more complex claims during busy periods.
How to Purc hase Towergate
Our Verdict on Towergate we are fans of Towergate for landlord insurance, and their customer reviews back us up! We think they can be relied upon to offer a highly flexible and tailored solution for landlords seeking comprehensive protection for their rental properties. With their bespoke policies designed to cover everything from standard buildings and contents to more complex risks like HMOs, holiday lets, and commercial properties, we think they excel at providing the right coverage for landlords with diverse property portfolios.
FAQS About Towergate Insurance Is Towergate good for landlord insurance?
Yes. Towergate is widely regarded as a strong option for landlords with complex or non-standard needs, such as HMOs, portfolios or higher-risk properties. It’s less focused on being the cheapest and more on tailored cover.
Does Towergate cover HMO properties?
Yes. Towergate is well known for providing insurance for HMOs, multi-unit buildings and specialist landlord risks, which many mainstream insurers avoid.
Is Towergate cheaper than Simply Business?
Not usually. Simply Business often provides cheaper quotes for standard buy-to-let properties, while Towergate tends to be better for specialist or higher-risk scenarios.
Does Towergate offer rent guarantee insurance?
Yes. Rent guarantee cover is often available as an optional add-on, subject to tenant referencing and underwriting criteria.
Can landlords customise their policy?
Yes. One of Towergate’s strengths is the ability to customise policies, including cover limits, excess levels and optional protections.
Are Towergate policies suitable for property portfolios?
Yes. Towergate regularly insures multi-property portfolios and professional landlords with multiple assets.
Other Useful Links About Landlord Insurance 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.