Home contents insurance

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Contents Insurance for Council Tenants

Many Council tenants wrongly believe that the Council automatically insures their household goods, belongings and decoration against damage. Unfortunately, some tenants only realise that this is not the case after the damage has been done. Furniture and personal belongings are lost and, without insurance, tenants may not have the means to replace their possessions. We strongly advise all tenants to take out household contents insurance to protect possessions from loss or damage.

Your policy should include a redecoration allowance, and cover for freezer contents, and it should clearly state your legal liabilities. You can arrange insurance directly through an insurer or broker, or you can join the Council's household contents scheme. Joining the Council scheme is easy. Weekly payments start at only 75 pence per week (for £9,000 worth of contents cover), 50 pence per week for pensioners (for £6,000 worth of contents cover), and payments can be made with your rent.

Unlike some other insurance policies, the Council's Home Contents Insurance Scheme has no 'excess clause'. This means that you don't need to pay the first part of any claim. With the Council-sponsored scheme, premiums are paid each month or week along with your rent payment. However, your rent account has to be paid up to date for the policy to remain valid.

If you would like to join the scheme or would like any further information, fill in the following online form or call at any of our Neighbourhood Offices or customer service points:

Property/Tenancy enquiry form

Home contents insurance leaflet (pdf - 29KB)

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