Wards Property is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide insurance advice or arrange insurance policies. All details submitted are passed directly to Brown & Brown, an FCA-authorised insurance intermediary, who will contact you to provide a quotation.
Many tenants assume the landlord’s insurance covers everything inside the property. Unfortunately, this is not the case. A landlord’s policy protects the building and the landlord’s fixtures and fittings. It does not cover any personal items belonging to you, the tenant.
If your belongings are damaged, destroyed, or stolen, you would need your own contents insurance to make a claim. Without it, you would have to replace everything out of your own pocket.
Your landlord’s insurance will not cover your belongings in the following situations:
Fire – Your clothing, electronics, furniture, and personal items are not covered.
Flooding or major water leak – Your items damaged by water would not be insured.
Burglary – The landlord’s insurance may repair the building, but your stolen property is not covered.
Storm damage – Even if the property roof is damaged, your belongings are still your responsibility.
Accidental damage – Your items are not covered unless you insure them yourself.
Contents insurance is often affordable and provides essential protection for items such as laptops, TVs, clothes, furniture, jewellery, gaming equipment, and more.
If you are renting a property in Stoke-on-Trent or the surrounding areas, tenant contents insurance is strongly recommended. It offers financial protection against theft, fire, water leaks, accidental damage, and unexpected emergencies. Submitting your details below allows Brown & Brown, our authorised insurance partner, to provide you with a personalised quote.
By submitting this information, you confirm that Wards Property has not provided any insurance advice. Your details will be forwarded to Brown & Brown, who will contact you directly to discuss your requirements and offer a suitable contents insurance quotation.