Do I need insurance on my property?

Buildings insurance

For the majority of properties, we are responsible for insuring the structure of your home against major risks such as fire, flood, subsidence and storm damage. Insurance does not cover the cost of replacing elements that are damaged as a result of ‘wear and tear’ or your contents.

Some of our older shared ownership leases state that the homeowner is specifically responsible for their own buildings insurance. If you are unsure whether or not you're responsible for your own insurance, an easy way to check is to see if you are being charged for it in your service charges.

We are responsible for buildings insurance for all of our rented properties.

Contents insurance

We have insurance for the building you live in, but we are not responsible for insuring your furniture, belongings or decorations against theft, fire, burst pipes and other household risks.

You should also have insurance for changes you have made to your home which you have paid for, such as a new conservatory, kitchen or wooden flooring.

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.

To help you decide whether home contents insurance is right for you, we have teamed up with Thistle Tenant Risks, and Great Lakes Insurance UK Limited who provide the My Home Contents Insurance Scheme, a Tenants Contents Insurance policy designed for tenants living in social housing.

The 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.

For further information, please call Thistle Tenant Risks on 0345 450 7288 or visit Alternatively, please visit the www.thistlemyhome.co.uk for more information or to request a call back.

Limits and exclusions apply. A copy of the policy wording is available on request.

Disclaimer:
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.

Their Data Protection Privacy Policy is online at https://www.thistleinsurance.co.uk/Privacy-Policy

It is important to protect your belongings and we suggest that you look for providers who are regulated by the Financial Conduct Authority (FCA). Thistle Insurance Services are a company that specialises in social housing contents insurance, however there are also other providers that can be found on comparison websites like Confused.com, Money Supermarket or Compare the Market.

Reporting a claim.

If you're renting a property from us, please contact us for any intended claims.

If you are a shared or leasehold owner, in the event of a claim, please contact A J Gallagher Limited using the contact information contained in the insurance schedule. You can view our insurance certificate here.