TOWERGATE INSURANCE it's personal

Common features - landlords insurance

• Cover for properties let to professionals, students and DSS, families or single persons
• 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
• Cover if let out privately or through a letting agent

Common exclusions – landlords insurance

• The first £250 for escape of water claims, £1,000 for subsidence/heave/landslip claims and £100 excess for all other claims. Excess amounts may vary according to different schemes.
• 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

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Making a business insurance claim

We arrange a wide variety of different types of commercial insurance with many different insurers so we recommend in the first instance that you refer to the paperwork we sent you when your policy first started.

Please refer to the policy booklet or the policy summary which will contain a page headed 'How to Claim' (or similar). This will give specific telephone numbers for you to contact, with many insurers having a 24-hour claims helpline number. When you call them please ensure you have your policy number to hand.

Click here for more information.