Building and home insurance

Buildings insurance | Home contents insurance

Buildings insurance

In most instances, we are obliged to insure the buildings that leaseholders and shared owners live in and you pay us for providing this cover. If there is a managing agent for your property they may provide this insurance so please check with them for confirmation. If you are unsure who insures your property please contact us.

Buildings insurance summary of cover (PDF, 100KB)

Insuring your personal possessions

Please note: We do not insure the contents of your home and you should make your own arrangements to protect your personal possessions. 

Why might the cost of my building insurance gone up in my service charge statement?

The cost of buildings insurance increased nationwide in 2020. This increase was due to a number of factors including:

  • The impact of the coronavirus
  • A reduction in insurer capacity, which means it’s been harder and more expensive to find insurance
  • Increased risks associated with things like building safety.

​Have another query about your service charges? Find out more information on our FAQs about service charges.

Home contents insurance

Why do I need it?

As your landlord we cover the buildings insurance for your home but you’re responsible, under the terms of your tenancy, for insuring your contents. It’s always a good idea to shop around for a policy that will give you the cover you need.

Home contents insurance isn’t compulsory, but it’s a good idea to consider what a policy would cover you for.  Home contents insurance can help protect your possessions from risks like fire, theft, water damage, and many more household risks, giving you peace of mind.

What does contents insurance cover?

We have teamed up with Thistle Tenant Risks to offer the My Home Contents Insurance Scheme, designed specifically for residents in social housing, all our residents are eligible to apply. This policy can cover: Furniture, Carpets, Curtains, Clothes, Bedding, Electrical items, Pictures, Ornaments.

Terms, conditions, limits and exclusions apply. For more information about our policy, please refer to the Insurance Product Information Document (IPID) and Policy Wording by contacting Thistle Tenant Risks on the telephone number below or visiting their website.

Buy online with monthly Direct Debit

It’s now easier for you to get covered with the My Home online platform. You can now purchase your home contents policy online when paying monthly via direct debit (please note paying by direct debit is more expensive than other payment options).

How do I find out more?

The National Housing Federation working in partnership with Thistle Insurance Services Ltd.  Thistle Tenant Risks is a trading name of Thistle Insurance Services Limited.  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. Find our data protection privacy policy online.