Why Home Contents Insurance Matters

While we are responsible for insuring our properties, our buildings insurance does not cover your personal belongings inside your home. That's why home contents insurance is necessary.

What is Contents Insurance?

Contents insurance helps protect the items you own inside your home, including:

• Furniture
• Carpets and rugs
• Clothing and footwear
• Electrical items such as TVs, laptops and mobile phones
• Kitchen appliances
• Jewellery and personal possessions
• Toys and hobby equipment

If these items are damaged, destroyed or stolen, contents insurance can help cover the cost of repairing or replacing them.

Isn’t My Landlord's Insurance Enough?

A common misunderstanding is that a landlord's insurance policy covers tenants' belongings. In reality, our insurance only covers the building itself, such as the walls, roof, windows and fixtures.

This means that if your personal belongings are damaged by a fire, flood, burst pipe or theft, you would be responsible for replacing them yourself unless you have contents insurance.

The Cost of Replacement Can Add Up

Take a moment to think about everything you own. Replacing a sofa, bed, television, clothing, kitchen equipment and other everyday essentials could cost thousands of pounds.

Even if you don't own expensive items, the total value of your possessions may be much higher than you realise.

What Insurance Should I Get?

You need insurance specifically designed for social housing residents, for example, Thistle Tenant Risks Home Contents Insurance.

Show me more about Thistle Tenant risks