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We would like to remind residents that as your landlord, we do not cover your contents as part of your tenancy agreement, your personal belongings in your home are your responsibility.

No matter how careful you are, there’s always a risk that your belongings could be broken, damaged, or stolen. Without contents insurance, replacing these items could cause financial strain or additional stress.

Real-life examples from your community

We’ve sadly seen several cases where residents have faced large bills after unexpected events:

• Water damage: A resident experienced a leak that damaged their ground floor flooring. While we repaired the leak, the flooring replacement costs were over £1,500, which the resident unfortunately had to pay as they had no contents insurance.
• Accidental damage: In another case, damaged goods cost around £2,000 to replace. Without insurance, these costs can fall entirely on the resident.
• Extreme weather: With more flash floods and heavy downpours, water can enter your home even from a neighbouring property. This can ruin furniture, flooring, and electrical items in minutes.
• Lost keys: We’ve had incidents where residents have had to pay to change locks after losing their keys. Some insurance policies cover this without an excess, including Thistle Tenant Risks.

These incidents highlight how quickly replacement costs can mount up, and how contents insurance can protect you from unexpected bills.

There are various insurance providers and comparison sites that can help you find the right policy for your needs. For social housing tenants, one option is the My Home Contents Insurance Scheme, provided by Thistle Tenant Risks and Great Lakes Insurance UK Limited, designed specifically for tenants living in social housing.

They have launched a convenient ‘Get a Quote’ option on their website, making it easy to get a quote and purchase contents insurance online. To find out more, you can:

Call Thistle Tenant Risks on 0345 450 7288 or visit their website. 

Don’t delay, protecting your belongings could save you a lot of stress and expense in the future.

The National Housing Federation works 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.