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Home contents insurance

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As your landlord, we’re responsible for providing building insurance, but we don’t provide cover for your home contents or personal belongings.

So that you can make an informed decision on whether you need a home contents insurance, it's a good idea to consider what it would cover you for.

Why do I need it?

Contents insurance is designed to help protect your possessions. No matter how careful you are, there’s always a risk that your belongings could be broken, damaged or stolen. Home contents insurance can help provide peace of mind should the worst happen.

We have teamed up with Thistle Tenant Risks who provide specialist Tenants Contents Insurance policies. My Home Contents Insurance is a specialist insurance scheme provided by Thistle Tenant Risks and all tenants living in social and affordable housing are eligible to apply. You can find out more about My Contents Insurance policy below.

Alternatively, many other providers are available and sites like the www.moneysavingexpert.com can be useful for finding good deals.

Reasons to choose My Home Contents Insurance Scheme

My Home Contents Insurance scheme can offer you insurance for the contents of your home including cover for items such as furniture, carpets, curtains, clothes, bedding, electrical items, jewellery, pictures and ornaments.

  • You can apply over the telephone or complete an application form.
  • Covers theft, water damage, fire and many more household risks.
  • Covers tenants improvements (up to £2000 or 20% of the sum insured, whichever is the greatest).
  • Covers theft or attempted theft of contents in sheds, outbuildings and garages (up to £3,000).
  • Covers damage to external glazing for which you are responsible.
  • Covers replacement and installation of locks for outside doors or windows and alarms, if keys are lost or stolen (up to £500).
  • You don’t need to have special door or window locks (just a lockable front door).
  • Flexible regular Pay-As-You-Go payment options (fortnightly and monthly premiums include a transaction charge).
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Who is this policy for?

Thistle Tenant Risks Contents Insurance has been designed to meet the demands and needs of social housing residents looking to purchase home contents insurance and Thistle have approached a single insurer Great Lakes Insurance UK Ltd. The cover is subject to the terms, conditions, limitations and exclusions contained in the Policy Wording document, which you should read carefully.  The premiums and payment methods available are shown on the Town & Country Housing rate card here.  Please note fortnightly and monthly premiums include a transaction change.

If you are unsure whether this insurance policy is right for you please contact Thistle Tenant Risks who will be happy to help with your queries.

How do I get further information?

If you’d like to apply for home contents insurance, you can do so by completing an application form or by calling Thistle Tenant Risks on 0345 450 7288. Alternatively, visit https://www.thistlemyhome.co.uk/ for more information. Prior to completing the application form, please review the Thistle Insurance Services Terms of Business Agreement and Insurance Product Information Document. These documents give you important information on your rights and how we deal with you and your insurance and key information regarding the insurance cover.  Please note that all Tenant Risks business is arranged on a non-advised basis. This means that you will be provided with the key information to be able to make an informed decision on which cover is appropriate for your needs.