Mortgage advice that doesn't cost the earth
tenants insurance

Get protected with contents insurance that is designed to pay out when you need it

  • Flexible cover that adapts to you
  • 5* rated home insurance that meets all the Defaqto Benchmarks
  • At a price cheaper than going direct

Book a call to get your quote

We do not charge a fee for insurance advice but we may receive a commission if you take out cover arranged through us.

tenants contents insurance

Tenants insurance designed to pay out when you need it

New home. New start. There’s nothing quite like the feeling you get from moving into a new home. A change of scene can be exciting, liberating and fun. But unless you have the right insurance in place, your rental property can also leave you in debt and out of pocket should something go wrong.

Even though your landlord is likely to have their own insurance for the property, this won’t protect your personal belongings – for that you will need Contents Cover. Plus, you’re still legally responsible for any damage you cause to the property (however accidental) – so you really need to take out insurance yourself – this is Tenants Liability cover.

Contents insurance tends to protect the items in your home that aren’t fastened down – from furniture and standalone fridges and freezers to clothes, jewellery and TV sets. If any of your possessions are lost, damaged or stolen, it pays for them to be replaced or provides you with a cash reimbursement.

Replacing all your belongings can add up to some serious cash. There’s always something you don’t think about, such as the cost of your food or jewellery. So, rather than taking any chances, it’s worth spending a little every month on some proper cover.

So, we work with PaymentShield, who are known for being quick, reliable and generous on the details – we don’t think you can find better. It’s not the cheapest contents and liability insurance, but it’ll be there when you need it. And we have secured a 5% discount compared with going direct.

What makes Paymentshield worth the premium?

A genuine desire to help

No awkward Ts & Cs so they can wriggle out of paying

Alternative Accommodation

To a better level than most (for you & your pets)

Tenants Liability Included

Up to £10,000 for accidental damage you are held liable for

Optional excess from £0

Or higher, if you want to keep your costs down

Extras covered

Including visitors' belongings and things you take with you when you are out

No cancellation or adjustment fees

Because life changes, and your insurance should be able to change with it

How to get a quote and book in your buildings & contents insurance

PaymentShield’s Tenants insurance has a few options to choose from, so take the time first to work out what your belongings are worth, and if there are any ‘high value’ items you will need to specify.

Do make sure you read through our buyers guide and optional extras leaflets.

  1. Have a read through the Tenant’s insurance leaflet here

  2. Think about what excess you would like, and whether you would like any of the optional extras (accidental damage, home emergency, personal possessions…)

  3. Book a call to firm up your quote.

    There are no fees for arranging any tenant’s insurance for you. As with all insurance, we receive commission from the provider which covers the cost of our advice

  4. Let us know when you are going to move in, and we will put your policy on risk

Take Your Next Step

Book your free consultation now. Choose a time that works for you, and we’ll call you for a relaxed, no-pressure chat about your insurance options.

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What customers say about us

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Mark @ WR Ethical was an immense help with my family life insurance. He helped navigate some challenging family history considerations, to secure a policy that was an ideal fit. Couldn’t recommend more highly!
  
 
 
 
 
 
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 William Keogh 
 
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Connor at WR Ethical was pleasant to deal with and efficient. He found us a substantially larger interest only mortgage than I could get from any of the usual online mortgage shopping sites and at a competitive interest rate. I tried 2 other brokers as well and their offers were not as good as what Connor found.
  
 
 
 
 
 
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 Clare Andrews 
 
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I chose WR Ethical for their ethical and environmental stance, and have benefited from their mortgage advice twice now. On both occassions my interactions with mortgage advisor Paul have been friendly and he has taken time to understand my values and needs, and given detailed and clear information. Recommended service.
  
 
 
 
 
 
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 Owen o neill 
 
11 days ago
 
 
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I found Paul to be super helpful in my mortgage process (1st time buyer). He was knowledgeable, straightforward, patient and realistic in what I needed and what I could get. It was a tricky nerve-racking 12 months beset with issues and the mortgage was approved with one day to go before the offer expired. Paul got an extension on the offer which saved the day and was professional and kind throughout the process. I wholly recommend Paul and WR Ethical. Many thanks.
  
 
 
 
 
 
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 Dave Tunstall 
 
12 days ago
 
 
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We had our first meeting with Mark to discuss life insurance, and he was fantastic, friendly, helpful, and highly professional throughout. He also flagged some important considerations we hadn’t thought about, which really added value to the conversation. Highly recommend!
  
 
 
 
 
 
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 Amy Hurst 
 
23 days ago
 
 
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Mark was super helpful in identifying the right protection for my circumstances. He was quick to respond to questions, kept me informed throughout and made the whole process incredibly easy. I wouldn’t hesitate to recommend to others.
  
 
 
 
 
 
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36 days ago
 
 
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I been using them from long time they are the best Very helpful and polite with everything I recommend to everyone one Connor make very easy and smooth all the process Thank you for everything
  
 
 
 
 
 
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37 days ago
 
 
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Worked with Lorna to get a mortgage as a first time buyer - Lorna was very friendly and able to explain details and answer my queries clearly and promptly
  
 
 
 
 
 
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Great experience - great communication and Matt was clear and kept things simple.
  
 
 
 
 
 
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 Joanna MacAdie 
 
44 days ago
 
 
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As first-time buyers, we knew very little about the mortgage process and wanted someone we could trust to guide us through it. From our very first conversation, Lorna has been amazing. She took the time to explain everything clearly, making what initially felt like a daunting process much easier to understand and far less stressful. Throughout our journey, Lorna has kept us updated with new mortgage deals to make sure we always had the best options available. She also put us in touch with trusted people to help us arrange our insurance and income protection, which made the whole process much more straightforward. She has always been on hand to answer our questions, offer advice, and even offered to help chase estate agents and solicitors to keep everything moving. Lorna is incredibly friendly, approachable, and genuinely cares about her clients. We've always felt supported and confident knowing she was looking out for our best interests. Thanks to her guidance, we've achieved the outcome we were hoping for and are now on our way to buying our first home. We can't thank her enough and wouldn't hesitate to recommend her to anyone looking for a knowledgeable, proactive, and genuinely caring mortgage adviser.

Meet your team

The team dedicated to your protection journey

Paul

Paul

Senior Adviser & Founder | CeMAP

Paul founded WR Ethical in 2020 to help people simplify the process of buying a home, and help people do good with their money. To him, doing this feels like a vocation, not a business.

His interest in property began in 2005 when he bought a home in Bristol that needed quite a bit of refurbishment. Around the same time, he joined a church focused on helping the local community (with lots of spare rooms to fill). A wide variety of roles and life experiences since then led him to start WR Ethical, combining his passion for property with a commitment to doing things differently.

When not thinking about helping others to buy a home, you can find Paul spending time with his family, running, cycling, walking the dog and baking.

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Mark

Mark

Senior Protection Adviser | CII Module R01

Mark helps mortgage customers protect their homes and families with clear, accessible advice on life insurance and personal protection.

After an early career in finance in Australia, Mark returned to the UK in 2016 and has continued building his expertise in supporting individuals and families. He takes pride in educating each person about the best options available, no matter how complex their circumstances or medical history. He’s committed to going the extra mile to find the right cover.

When Mark’s not working, he really enjoys cooking and travelling, though most of his free time is now happily spent with his energetic daughter attending tea parties and reading her favourite books.

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Lorna

Lorna

Mortgage Adviser | CeMAP

Lorna joined WR Ethical in 2025 as an administrator and quickly made the move to qualify as an adviser, where her organisational skills and genuine love of helping people have found a natural home.

Before mortgages, Lorna spent three years in the theatre industry. It was her own house-buying experience that drew her toward the mortgage world — and she hasn’t looked back since.

Outside of work, she loves spending time with her family and keeping active, whether at the gym or out on a long walk.

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FAQs

A few quick questions about the building and contents insurance service we provide

Still have questions?

Contact us and our team will help you get the answers you need

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No, and we don’t pretend it is. It’s consistently one of the strongest policies on the market for cover and claims behaviour, which matters more than a headline price when you actually need to claim.

Your landlord’s insurance covers the building they own. It doesn’t cover anything you’ve brought into the property. If a fire, leak or burglary damages your clothes, electronics, furniture or anything else you own, you’d be replacing it all out of your own pocket. When you add up the cost of restocking a home, even modestly, it’s usually more than people expect.

Tenants liability cover protects you when you accidentally damage your landlord’s property or fixtures. Think a burst pipe because you forgot to turn off a tap, a wine stain on a fitted carpet, or breaking a kitchen worktop. You’re legally responsible for this kind of damage, even if it was a complete accident. Paymentshield’s policy includes up to £10,000 of tenants liability cover as standard.

Standard contents cover handles theft, fire, escape of water and similar events. Accidental damage is an add-on for everyday mishaps like spilling red wine on the sofa, knocking your TV off its stand, or dropping a phone. If you have small children, pets or you’re prone to the occasional bump, it’s usually worth adding.

The rule of thumb is to picture replacing everything you own at today’s prices. Walk through each room and add it up: furniture, electronics, clothes, kitchen kit, bedding, books, sports gear, anything in the loft or shed. People often forget jewellery, food in the freezer and the cost of replacing all their bedding and towels. We’d rather you slightly over-estimate than discover you’re underinsured at claim time.

Most flatmate setups can be covered, though each tenant usually needs their own policy for their own belongings. We’ll talk through your specific arrangement on the call and make sure the right cover is in place for your situation.

Cover can usually start on the day you ask us to put it on risk. Once we know your move-in date, we’ll activate the policy from then. If your circumstances change after that, you can adjust the policy without paying any admin fees.

We’ve negotiated a 5% discount with Paymentshield, so you pay less through us than going to them directly. You also get our help choosing the right level of cover and optional extras, someone to talk to if your circumstances change, and a friendly face if you ever need to make a claim. We don’t charge any fees for arranging or advising on the policy.

Still have questions?

Contact us and our team will help you get the answers you need

Get answers
We do not charge a fee for insurance advice but we may receive a commission if you take out cover arranged through us.

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