Home insurance

Building insurance

Specific arrangements about insurance are detailed in your lease. If we own the block of flats you live in or you are a shared owner, we will usually be responsible for insuring the property for any damage caused by fire, storms, and floods, etc.

As a leaseholder, you have a right to:

• A copy of the buildings insurance policy summary of cover which is available on request.
• Ask for proof that we have paid the insurance premium.

Making a claim

Details of how to make a claim are on the summary of cover, available on request. You are responsible for making a claim in respect of any damage or loss to your property. There may be an excess to pay, this would be your responsibility. There may also be time limits to apply so if you think you may have a claim, it’s important to make contact with insurers as soon as possible.

Contents insurance

Buildings insurance does not cover your belongings in your home. We recommend you take out your own home contents insurance.

Freeholders

If you live in a house and own the freehold, we do not normally provide your buildings insurance. You should make your own arrangements for this. If you have any questions about insurance, please contact us.

We provide:

• Buildings Insurance - We insure your buildings against damage. This insurance covers the building structure and items such as your kitchen and bathroom. It does not cover any of your personal belongings.

We do not provide:

• Contents Insurance - Items generally covered by contents insurance includes; carpets or floor coverings, furniture, curtains, clothing, kitchen appliances and other valuables.
• We do not insure your possessions or the contents of your home.

The purchase of contents insurance is optional but we strongly recommend our customers have a home contents insurance policy.