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Everywhen

Insurance for holiday homes and second properties, covering seasonal use, guest lets, and extended unoccupancy periods.

3.93
61 reviews
Insurance
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About Everywhen

Everywhen (formerly Towergate) specializes in tailored insurance for holiday homes and second properties that are used seasonally, let to guests, or left unoccupied for long stretches. Their cover includes escape of water, public liability, and emergency travel expenses. They provide specialist policies that account for the unique risks of renting or leaving homes empty, which standard home insurance typically excludes.

What sets this company apart

Specialist insurance provider focused on holiday homes and second properties — covering unique risks (seasonal occupancy, guest liability, extended unoccupancy) that standard home insurance excludes. Serves properties across the UK and Europe with over 2,000 experts, trusted by half a million customers.

Markets & Coverage

Operating across 22 countries

Markets & Coverage

(22)
SpainPortugalFranceItalyGreeceCroatiaUnited KingdomGermanyAustriaSwitzerlandNetherlandsBelgiumIrelandCzech RepublicPolandHungaryRomaniaNorwaySwedenDenmarkFinlandIceland

Supported Languages

EnglishPrimary

Property Types

  • HousePrimary
  • Apartment
  • Villa
  • Cabin
  • Cottage

Market Segments

  • LuxuryPrimary
  • Beach & Coastal
  • Mountain & Ski
  • Urban
  • Rural & Country
  • Family

Service Characteristics

Main Features

  • Guest liability coverage
  • Contents & furnishing insurance
  • Claims management portal
  • Accidental damage excess waiver
  • Public liability for shared spaces

Reviews

61 reviews from verified users

3.93

61 reviews

75%

Would recommend

Showing 6 of 61 reviews

A

Alexandra Maclean

May 2026
Trustpilot
4

Efficient and pleasant

I tried to renew my caravan insurance online however when I clicked to open the attachments, I got a blank screen. I phoned Every When and the lady I spoke to was very helpful and the insurance was renewed quickly.

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W

Wendy

May 2026
Trustpilot
5

The young lady who dealt with me and…

The young lady who dealt with me and sorted out my new caravan insurance, was very professional and put my mind at ease for my father in laws insurance and mine. It's 💯% from me and the price was fantastic.

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C

Chris

May 2026
Trustpilot
5

Very helpful and pleasant made it easy

Very helpful and pleasant made it easy

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M

Malcolm

May 2026
Trustpilot
5

Polite and to the point

Polite and to the point. Clear instructions. No problems.

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M

Mr Richard Lane

May 2026
Trustpilot
5

Good customer service

I was given a most respectful response from Jamie Cairney, it was a delight to be appreciated as a customer.

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C

Craig Swaine

May 2026
Trustpilot
5

Clear conversation

Clear conversation, efficient service, and very happy with the result. Perfect.

View original

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FAQ

Frequently Asked Questions

  • Everywhen (formerly Towergate) specializes in tailored insurance for holiday homes and second properties that are used seasonally, let to guests, or left unoccupied for long stretches. Their cover includes escape of water, public liability, and emergency travel expenses. They provide specialist policies that account for the unique risks of renting or leaving homes empty, which standard home insurance typically excludes.

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