Wesleyan Financial Services can find you landlord cover from a panel of leading providers.
- Property owners’ liability up to £5,000,000
- Available for all types of properties and tenants
- Cover for loss of rent during insured property repairs
- Eligible Wesleyan members get 20% off*
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You find the tenants, we’ll find the insurance
When it comes to letting out property, we know there’s a lot to consider – from finding the right house, flat or bungalow, to sourcing good tenants. Wesleyan Financial Services can take one thing off your list, by finding specialist landlord insurance matched to your needs.
Using our broker service means you won’t have to source multiple quotes from lots of providers, and you can be sure that you have the right level of protection for your needs.
What’s covered?
Through our advice-based service and panel of insurance providers, we offer policies that can include:
- Multiple properties
- Malicious damage to buildings by tenants
- Alternative accommodation or cover for loss of rent
- Repairs or rebuilding of your property
- Accidental damage to underground services
- Theft or attempted theft
- Trace and access cover
- Subsidence, heave or landslip
- Public liability up to £5,000,000
Include multiple rental homes in one policy to protect your portfolio. Add extra properties as and when you need to, with cover tailored to each of your rental homes.
You'll be covered for intentional damage to your property by your tenants, such as smashed windows.
You're protected if your property isn't fit to live in following an insured event (like a fire or a flood). Get alternative accommodation for your tenants or cover for the rent you've lost if your tenants temporarily move out.
If a fire, flood or other insured event leaves your property worse for wear, you're covered for repairs and rebuilding to restore your rental home.
This covers services that you're legally responsible for. For example, domestic oil pipes, water supply pipes, underground sewers, drains and septic tanks.
Protect your property with cover for broken windows, doors and more.
Covers the cost of locating the source of a leak and making the necessary repairs.
This covers remedial work as a result of subsidence, heave or landslip.
Covers costs and damages for bodily injury or damage to your property caused by an accident on your property.
Cover available may vary depending on insurance provider
What’s not covered?
While landlord insurance can offer comprehensive cover, it can’t cover every eventuality. For example:
- Wear and tear
- Accidental damage or loss to contents
- Theft or attempted theft
Includes worn carpets or damp formed over a period of time.
For items that belong to your tenants.
For money, certificates, documents or valuables.
Optional extras
Tailor your policy to provide extra peace of mind, with one of our optional extras. For an additional cost, you can add:
- Landlord legal protection
- Accidental damage or loss
Covers costs for legal disputes such as eviction.
For all your buildings and contents or just for fixtures and fittings (sanitary ware, carpets and free-standing furniture).
Already a Wesleyan member? Save 20% on insurance
Insure your properties for less. As an eligible Wesleyan member, you can receive a 20% discount on landlord insurance.
*See eligibility criteria and terms and conditions.
Important information
Things to know before you apply
Wesleyan Financial Services is both a credit broker and an insurance broker. Its insurance products are provided by a number of selected insurers.
Limits, exclusions and charges do apply. Full terms and conditions of the policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary. Risk must be acceptable to underwriters at normal terms.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Frequently asked questions
While there are similarities between the two, home insurance doesn’t offer the same level of cover as landlord insurance.
Landlord insurance is designed to protect your rental properties. For example, it usually includes loss of rent and alternative accommodation cover. You can also opt for specialist landlord legal protection that covers you for legal expenses or disputes, such as eviction or malicious damage by your tenants.
In short, yes - landlord insurance is tax deductible.
Landlords can claim certain costs relating to the running and maintaining of their rental property as a business expense. This means you can deduct the cost of insuring your buy-to-let property from your rental income when calculating how much income tax you owe, and therefore reducing your tax bill.
In short, yes. If you’ve bought a flat in a house or building and you’re planning on renting it out, you’ll need landlord insurance.
The freeholder (the person who owns the building) is responsible for having buildings insurance. If you’re renting out your flat, you’ll likely want to have contents cover and landlord liability cover too.
You may be interested in…
High-value home insurance
When standard home insurance isn’t enough for your property, get bespoke cover for your specialist home or high-value home worth more than £500,000.
Renovation insurance
Looking to protect your property at every stage? Get insurance for home extension and building works from a handpicked panel of leading insurers.
Unoccupied home insurance
Protect your unoccupied home with comprehensive cover from a panel of leading insurers. For natural disasters, vandalism, theft and more.
Get a quote for landlord insurance
Complete the short form below and a member of the landlord insurance team will call you to discuss your quote.*
Already have a landlord insurance policy with us? Existing customers should contact us here.
* Opening times are Monday to Friday 9am - 6pm and Saturday 9am - 1pm.