Imagine if a fire, flood or theft damaged your belongings. Could you afford to replace them?

Many tenants believe the Council automatically insures their furniture and personal possessions, but this is not the case. You are responsible for arranging insurance to protect your belongings.

What the Council insures

As your landlord, we insure the building itself, including:

• The structure of your home.
• Fixed services such as gas, electricity and water supplies.

If there is a fire, flood or other insured event, our insurance covers repairs to the building and these services.

For more information, please email Housing Services.

What you are responsible for

You are responsible for insuring your personal belongings, including:

• Furniture
• Electrical items
• Clothing
• Personal possessions

The Council's insurance does not cover these items unless the Council is legally responsible for the damage.

You may also be liable for damage caused to neighbouring properties if it results from your actions or negligence.

Household contents insurance

We strongly recommend that all tenants take out household contents insurance. Contents insurance can help protect your belongings against:

• Fire
• Theft
• Water damage
• Accidental damage

Insurance policies vary in cost and cover, so it is worth comparing different providers to find one that best meets your needs.

Having contents insurance can provide peace of mind and help you recover more quickly if something unexpected happens.