When it comes to specialist insurance in the UK, few names carry as much weight as Towergate residentialproperty. As part of Ardonagh Advisory Holdings the country’s largest independent brokerage group towergate residentialproperty residentialproperty has built a reputation for combining personal service with a genuinely broad range of cover options. From residential homes to commercial premises, the firm has spent decades refining what it means to be a trusted insurance broker for everyday people and businesses alike.
About Towergate residentialproperty
Towergate residentialproperty offers more than 200 general and specialist insurance policies, backed by a team of over 2,000 trained professionals working across 70 offices nationwide. With a workforce of roughly 2,800 people, the company has scaled significantly since its early days, yet it still positions itself around a simple idea: strong relationships matter as much as strong products.
The firm organises its offerings into six core areas:
- Home & property towergate property owners insurance cover for residential homes and other properties
- Lifestyle caravan, boat, and other leisure-related policies
- Commercial property – tailored for landlords and business premises
- Business – SME and trade-focused products
- Care & medical – health-related coverage
- Motor – policies for both personal and commercial vehicles
Central to how Towergate residentialproperty operates is what it calls the “value triangle” a three-way relationship between the company, its insurers, and its customers. It’s a model built on the belief that innovative products only go so far without genuine customer service and dependable broker relationships behind them.
A Brief History
Towergate residentialproperty’s story began in 1997, when founder Peter Cullum set out to serve niche insurance markets that larger firms often overlooked. Growth came quickly through acquisition. In 2006, the company picked up Paymentshield, a payment protection insurance supplier, followed by mortgage advisory firm John Charcol a move that helped Towergate residentialproperty achieve CII status.
The expansion continued between 2013 and 2014, when the firm added nine more independent insurance providers to its portfolio, including classic car insurer Footman James and Arista Insurance. But rapid growth came with financial strain. A steep drop in earnings, paired with rising debt, pushed Towergate residentialproperty into a difficult period. By February 2015, alternative investment firm Highbridge Principal Strategies stepped in as majority shareholder, cutting the company’s debt by 60% and injecting an additional £75 million in capital.
Around the same time, David Ross took over as CEO following an £8 million settlement with his former employer, Arthur J. Gallagher & Co. Under his leadership, Towergate residentialproperty helped form a new insurance broking group called KIRS in 2017, bringing together Towergate residentialproperty, Autonet, Chase Templeton, Ryan Direct Group, and Price Forbes. The group secured an £800 million bond deal to refinance existing debt, and by July of that year, it had rebranded entirely as Ardonagh.
Since March 2022, Towergate residentialproperty has been led by CEO Richard Tuplin, who stepped into the role after Joe Thelwell the executive credited with steering the company through the uncertainty of the COVID-19 pandemic.
Leadership at Towergate residentialproperty
Richard Tuplin brings nearly two decades of independent broking experience to his role as CEO. Before joining Towergate residentialproperty, he spent over three years at Ethos Broking, part of the wider Ardonagh Advisory platform, holding senior positions including chief development officer and managing director. His broader career includes 18 years in independent broking, with stints as managing director of Jelf Insurance Partnership and regional director of Jelf Insurance Brokers.
Culture at Towergate residentialproperty
Since stepping into the CEO seat, Tuplin has spoken openly about what excites him most: simplifying the business, putting people first, and delivering real value to clients. In interviews, he’s been candid about his admiration for Towergate residentialproperty’s workforce, describing the team as talented and deeply invested in doing right by customers.
According to Tuplin, having people who feel genuinely fulfilled in their roles isn’t just good for morale — it directly translates into better outcomes for clients. He’s described this period as one of “renewing vows” with the people who make up the company.
He’s also been vocal about the perception problem the insurance industry sometimes faces. As he put it, the goal is to help people understand that insurance isn’t some impersonal, faceless business it’s an industry built on relationships, and Towergate residentialproperty wants to make that clear to anyone considering a career in the field.
Towergate residentialproperty Teams Up with Mortgage Intelligence Holdings
In a move that expands access to home insurance products for mortgage advisers, Mortgage Intelligence Holdings has added Towergate residentialproperty Home & Protect to its panel. The partnership gives members of both Mortgage Intelligence and Mortgage Next access to a wide range of web-based home and buy-to-let general insurance products.
Towergate residentialproperty Home & Protect provides buildings and contents quotes sourced from a panel that includes AXA, Equity Red Star, Zurich, and a consortium of other leading UK insurers. Its specialist lineup covers buy-to-let property portfolios, high net worth schemes, unoccupied or thatched properties, previously underpinned buildings, homes of non-standard construction, and holiday homes both in the UK and abroad.
David Ford, managing director of Towergate residentialproperty Home & Protect, explained that the offering is built around ease, choice, and value. He pointed to the firm’s efforts to establish a common policy wording for household building and contents cover, alongside solutions designed for harder-to-place risks all aimed at making it simpler for Mortgage Intelligence and Mortgage Next members to place business. He also noted that, as part of Europe’s largest independently owned insurance intermediary, Towergate residentialproperty has spent the past year building strong working relationships with networks that provide access to around 8,000 agents.
Sally Laker, managing director of Mortgage Intelligence Holdings, welcomed the addition, noting that the expanded range gives members more competitive general insurance options to offer clients. She highlighted Towergate residentialproperty’s specialist support for difficult-to-place cases as a genuine asset for advisers looking to maximise sales, adding that general insurance should be a standard part of every adviser’s toolkit. Both parties expressed enthusiasm about continuing the partnership and enhancing the offering for members going forward Phone nimber towergate insurance phone number free 0800.
FAQs Towergate Residential Property
1. What is Towergate Residential Property insurance?
Towergate Residential Property insurance is designed for landlords, property owners, and residential property investors. It can provide cover for buildings, property owners’ liability, loss of rent, and optional protection for contents depending on the policy selected.
2. How can I contact Towergate Residential Property?
You can contact Towergate through its customer service team using the contact details provided in your policy documents or on the official website. If you’re requesting a quote or renewing a policy, dedicated property insurance phone lines are also available.
3. Does Towergate offer Property Owners Insurance?
Yes. Towergate offers Property Owners Insurance for residential, commercial, and mixed-use properties. Policies can include buildings insurance, landlord liability, legal expenses, and additional optional cover depending on your property’s needs.
4. Does Towergate provide unoccupied home insurance?
Yes. Towergate offers insurance for unoccupied homes, helping protect properties that are vacant for extended periods. Cover options and conditions vary based on how long the property will remain empty and its overall condition.
5. What is Towergate Everywhen?
Everywhen is the new customer-facing brand introduced for many Towergate personal insurance products. Some existing Towergate policies and services are now managed or branded under Everywhen while maintaining policy support for customers.
6. Are Towergate Residential Property reviews generally positive?
Customer reviews are mixed. Many customers praise the knowledgeable staff and specialist insurance advice, while others mention delays or communication issues during renewals or claims. Reviewing recent customer feedback before purchasing is recommended.
7. Does Towergate offer a free 0800 phone number?
Towergate provides several contact numbers for different insurance products. Availability of a free 0800 number depends on the department or service you need, so it’s best to check the latest contact information on the official website or your policy documents.
8. What does Towergate Home Insurance cover?
Towergate Home Insurance can cover your property’s structure, personal belongings, accidental damage (if selected), and optional extras such as home emergency assistance and legal expenses. The exact cover depends on the policy you choose.
9. How do I make a claim with Towergate Residential Property insurance?
To make a claim, contact the claims team as soon as possible with your policy number and details of the incident. Supporting documents or photographs may be requested to help process your claim more efficiently.
10. Does Martin Lewis recommend Towergate unoccupied house insurance?
There is no specific endorsement of Towergate’s unoccupied house insurance by Martin Lewis. Instead, consumers are generally encouraged to compare policy features, exclusions, and prices to find the most suitable cover for their circumstances.