Home Contents Insurance explained

As your landlord we cover the buildings insurance for your home but you’re responsible, under the terms of your tenancy, for insuring your contents. It’s always a good idea to shop around for a policy that will give you the cover you need.

Home contents insurance isn’t compulsory, but it’s a good idea to consider what a policy would cover you for.  Home contents insurance can help protect your belongings from risks like fire, theft, water damage, and many more household risks, giving you peace of mind.

We have teamed up with Thistle Tenant Risks, to offer the My Home Contents Insurance Scheme. The scheme is designed specifically for residents in social housing, and all our residents are eligible to apply.

What does the My Home Contents Insurance cover?

• Jewellery and watches (Valuables single article limit is £2,500)
• Accidental damage to TVs, aerials fixed to your home, home computers, home entertainment equipment and home working equipment. A £50 excess may apply. Cover for items designed to be portable such as mobile phones, smart phones, iPads, iPods are not covered under this section of the policy.  You can, however, choose to include optional extended accidental damage at an additional cost which will provide cover for portable items
• Furniture like sofas, tables and bookcases and furnishings like carpets and curtains against the insured perils, such as fire, theft, water damage and floods*
• Artwork, ornaments, books and collectables (for any one claim, the insurance will not pay more than 40% of the sum insured or £5,000 whichever is the greater)
• Cash and important documents (cash covered up to £750)
• Clothing (less an amount for wear and tear)
• Fridge and freezer food, up to £500
• Loss or damage for items stored in sheds, garages or other outbuildings caused by theft or attempted theft, up to £3000
• Up to £500 for replacement locks and keys for outside doors
• Extended Accidental Damage option is available for an additional premium– this extension covers accidental damage to contents while they are in your home. Excludes damage caused by wear and tear and a £50 excess may apply.

Terms, conditions, limits and exclusions apply.  For more information about the policy, please refer to the Insurance Product Information Document (IPID) and Policy Wording which is available on request (see contact details below).

What does the My Home Contents Insurance not cover?

• General wear and tear
• Damage caused by improper or poor maintenance
• Deliberate damage by someone living in your home
• Faulty workmanship and bad DIY
• Mechanical or electrical breakdown
• Damage caused by pets.

To find out more, contact the My Home team on:

Phone: 0345 450 7288 Monday – Friday: 9am – 5pm

Email: myhome@thistleinsurance.co.uk

Visit: www.thistlemyhome.co.uk for more information or to get a quote Request a call back at www.thistlemyhome.co.uk/call-back

The National Housing Federation working in partnership with Thistle Insurance Services Ltd. Thistle Insurance Services Limited is authorised and regulated by the Financial Conduct Authority Firm Reference Number 310419.

Registered in England under No. 00338645. Registered office: Rossington’s Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. Thistle Insurance Services Ltd is part of the PIB Group.

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