Social Landlord Service: Rechargeable repairs policy

5.Tenant and Leaseholders contents insurance

1. 5.1.It is highly recommended that tenants and leaseholders take out Home Contents Insurance for their personal property. The policy provides cover for accidental damage to the property allowing a claim to be made through the Home Contents Policy to recover the cost of a recharge.
2. 5.2.The Council runs a scheme to provide insurance specially tailored to tenants at a reduced cost. The contents insurance will cover items within the home when events happen such as fire, theft or flooding and water damage. Accidental damage, theft of keys and contents in the freezer is also covered. The scheme also offers new for old which will replace items at their current costs less wear and tear. There is no cover for wear and tear or mechanical breakdown of items and it is important to ensure the level of cover is sufficient to cover all household items.
3. 5.3.The Council insurance scheme allows tenants to pay weekly for the contents insurance. Leaseholders will be billed annually for the current year. The annual billing period will be from November to October, and it will be apportioned where the insurance starts in mid-year. If a payment is missed, the insurance company will not consider a claim unless payments are up to date.