Many social housing residents have similar concerns when they think about home contents insurance. Because of these concerns, some people delay arranging cover altogether. Common worries often include:

• Whether they can afford the premiums
• Fears that insurers won’t pay out when needed
• The belief that making a claim is difficult or takes too long
• Anxiety that their premium will automatically increase if they claim

Others may feel that contents insurance won’t really protect what matters to them or assume their landlord’s insurance already covers their belongings.

A landlord’s policy usually protects the building and fixtures - not residents’ furniture, electricals, clothing or other personal possessions.

This is why it’s crucial for landlords and housing providers to support residents in understanding how home contents insurance works, what it covers and how it can help them recover if something goes wrong.

 

Making home contents insurance simple

Thistle’s Tenants Contents Insurance has been created with social housing residents in mind. The aim is to keep cover both accessible and easy to manage.

The application process is also designed to be straightforward. Residents only need to provide basic information, there are no credit checks, and the journey from quote to cover is simple.

If the worst happens, the claims process has been set up to be as quick and hassle-free as possible, so residents can focus on getting back on their feet.

 

Why residents choose Thistle Tenants Contents Insurance

Tenants Contents Insurance can offer several advantages for residents, including:

• A focus on settling valid claims as promptly as possible
• Flexibility to choose the level of cover to match the value of their possessions and valuables. Sums insured start from £4000, meaning residents only pay for the cover they need.
• Wider cover than many people might expect from a tenants’ policy

 

What’s included with home contents insurance

Cover can extend beyond items inside the main home. Depending on the policy, it also includes:

• Contents kept in garages, sheds, and outbuildings at the home address that is stolen up to £3,000.
• The cost of replacing external door locks if keys are lost or stolen up to £500.
• Personal liability if social housing resident is found legally responsible for injuring someone or damaging their property up to £2.5 million for any one case.
• Tenant’s liability for damage to landlords fixtures and fitting that social housing residents are legally responsible for up to 35% of the contents sum insured. 

Residents can also choose optional additional cover for additional cost for items they regularly take out and about - such as mobile phones, jewellery or clothing - so they’re protected away from home, and anywhere in the world up to 60 days.

Terms, conditions and exclusions apply.

By explaining these benefits, landlords and housing associations can help residents see the real value of contents insurance. That way, more people can protect their belongings and feel better prepared, without added stress or complexity.

 

 

This article is for general information only and does not constitute advice or a recommendation. It does not take into account individual circumstances. If in doubt, tenants should seek appropriate professional advice before acting on any of the information provided.