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Property owners insurance

While the needs of landlords are similar, solutions may vary due to the property types and occupations involved. We have access to a range of specialist landlords' policies catering for residential and/or commercial use.

Whether you own a portfolio or a single property, we can tailor cover to meet your needs, providing you with peace of mind, safe in the knowledge that your valuable investment is protected. Our knowledge and experience in dealing with both commercial and residential property owners has given Towergate Riskline the ability to provide custom insurance packages for a wide range of properties:

• Industrial units - warehouses, manufacturing, trade counters
• Shops, hotels, guest houses, offices
• Shopping complex
• Sports clubs
• Residential properties - houses, blocks of flats

Key features

• 'All Risks' cover including subsidence available
• Your property portfolio insured under a single policy (up to 50 properties)
• Index linking
• Property owners liability up to £5m

Optional

• Landlords contents
• Communal contents
• Loss of rent receivable
• Employers liability
• Terrorism

Excesses

• From £250

Exclusions

• Where cover is arranged on an 'All Risks' basis exclusions will apply for example corrosion, rust, electrical mechanical breakdown, depreciation, wear and tear, gradual causes, damage whilst items are being cleaned, repaired altered adjusted or maintained (this list is not exhaustive)
• War, invasion or act of a foreign enemy
• Terrorism

For more information on this property owners insurance please go to the frequently asked questions section.