Flat Insurance

Flat insurance offers insurance cover for your flat. As a leaseholder you can cover your contents, extend that to include fixtures and fittings if you’re responsible for them, or you can get buildings insurance too if you own the freehold and are responsible for the building itself.

It depends whether you want a contents insurance policy, a buildings insurance policy, or a bit of both. Call our team on 0344 892 1750 to get started or get a quote online.

Yes, you can add cover for home emergencies to your property insurance policy.

Three levels of home emergency cover, starting with emergency repairs to the primary heating system at your property

Extend to include emergency repairs to your drainage and water services, securing broken windows and doors - and dealing with pest infestations

Access to a 24-hour helpline and network of reliable UK tradespeople

Please talk to your Towergate adviser for details.

We specialise in providing cover where other insurers can’t. If you’ve had previous insurance claims we will still consider your case, whether or not you’ve been rejected by other insurers.

You’ll need a specialist landlords insurance policy, as this will cover you not just for your contents or buildings but things like public liability and loss of rent, too. You can call our specialist team on 0344 891 1750.

Yes, we can cover your home if you work from home. We can also offer business insurance for your home business. Give us a call and we’ll chat through your options.

Yes. If there’s an insurable incident at your flat – like a leak, or a fire, anything that you’re going to claim for - and the damage means you can’t live there while it’s fixed, we’ll put you up in a B&B or hotel.

There are limits to this cover, though. You’ll get accommodation paid for up to 20% of your rebuild cost – if you have buildings insurance, or 20% of your contents value – if you just have contents insurance, or whichever is greater if you have both.

You’ll be asked to supply these figures when you get your flat buildings and/or contents insurance, estimating what it would cost to rebuild the property from scratch, or what it would cost to replace the contents from scratch.

You can pay by credit card or monthly direct debit.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.