As your landlord, we cover the buildings insurance for your home, but you are responsible for insuring your contents. This is detailed in your tenancy agreement.
It is a good idea to shop around for a policy that will give you the cover you need.
Home contents insurance is not compulsory, but it is a good idea to consider what a policy would cover you for. Home contents insurance can help protect your personal belongings from incidents such as fire, theft, water damage, and many more household risks, giving you peace of mind.
What contents insurance covers
We have teamed up with Thistle Tenant Risks to offer home contents insurance. This is designed specifically for tenants in social housing and all our tenants are eligible to apply.
This policy can cover contents such as furniture, carpets, curtains, clothes, bedding, electrical items, pictures and ornaments.
Terms, conditions, limits, and exclusions apply. For more information about the policy, read the following documents:
If you're unsure whether this insurance policy is right for you, please contact us on 020 8583 2347 or email risk.insurance@hounslow.gov.uk.
Reasons to choose the 'Pay as you go' home contents insurance scheme:
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No excess (you do not pay the first part of the claim)
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Covers loss or damage to your contents caused by specific events such as, theft, water damage, fire, and many more household risks.
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Tenant's liability – We will pay up to 35% of the contents sum insured for damage to your landlord's fixtures and fittings which you are legally liable for as a tenant. There is no cover available if your home is unoccupied for more than 60 days in a row.
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Covers theft or attempted theft of contents in sheds, outbuildings and garages that form part of your home up to £3,000.
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Covers damage to external glazing, for which you are responsible.
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We will pay up to £500 for replacement and installation of locks for outside doors or windows and alarms if keys are lost or stolen.
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You do not need to have special door or window locks. As long as your outside door locks, that is fine.
How to apply and how much it costs
You can complete an application form (PDF), which includes additional information and premiums.
Please also review the Thistle customer information document (PDF). You can contact us using the details above to request an application pack to be posted to you. These documents provide important information about:
- your rights
- how we manage your insurance
- key details about the insurance
Please note: The policy is arranged on a non-advised basis. This means that you will be provided with the key information to be able to make an informed decision on which cover is appropriate for your needs.
If you have a complaint
It is always the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim you should follow the Thistle Insurance Services complaints procedure.
You can also read more about our complaints process: Make a complaint or comment
About Thistle Tenant Risks
London Borough of Hounslow working in partnership with Thistle Tenant Risks, which is a trading style 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.
