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Home > Housing > Council housing tenants > Council property repairs > Household contents insurance

Household contents insurance

The Council’s insurance does not cover our tenants’ personal belongings.

If any of our tenants wish to insure their personal belongings then the Council has negotiated terms for our tenants’ use with Royal Sun Alliance.

Let’s protect what makes your place a home

You have a home full of things that you need and love – clothes, TV, kitchen appliances, keepsakes, furniture, and gadgets. Surely, if stuff’s worth owning, then it’s worth protecting.

As your landlord, we insure the building and anything we provide, but we don’t cover your home’s contents and belongings. Ask yourself, would you need help with the cost of putting things right after a kitchen fire, a washing machine flood, or a break in? It could get pretty pricey. But don’t worry – tenants contents insurance financially protects your home’s contents.

A thumbs-up from us

It’s good to know you’re choosing contents insurance that’s been given our thumbs-up. We’ve worked with our insurance provider, RSA, to make sure the cover, price, and service could be suited to your needs. Over 25,000 tenants just like you have chosen them for their tenants contents insurance*.

*Number of customers with an active tenants contents insurance policy – April 2023.

Ready to find out more?

If tenants contents insurance sounds like a good idea, you can find out more and apply today.

Call 0345 671 8172 if you have any questions or would like to apply by phone.

Download an application form

This is a monthly policy, so you’re only committing to a contract each month when you pay for it to renew. Your price and cover will stay the same each month, unless you want to change it.

On a set date each year there is a review of your policy terms, conditions and price, which may mean they will change. RSA will send you everything you need to know about this. So you can decide if you want to continue with the policy or not.

What you need to know about RSA’s tenants contents insurance

  • Tenants contents insurance financially protects the contents in your home, garage, and shed.
  • Cover includes improvements you make to your home, such as new laminate flooring or a fitted kitchen.
  • You can pay weekly, fortnightly, monthly, or in one upfront payment until your yearly review date – whatever suits you best.
  • No nasty surprises - no excess on claims and no fees for changing your details or cancelling your policy.
  • You don’t have to have special door or window locks – as long as your external doors lock, it’s fine.
  • You can upgrade your cover to protect all your home’s contents against accidental damage.
  • You have the option to protect your belongings whilst away from your home, and if you have them, you can also cover your bicycles, hearing aids, and wheelchair/ mobility scooter(s) whilst away from your home.
  • More than 25,000 tenants have already chosen RSA’s tenants contents insurance*, so they understand what you need from them.

*Number of customers with an active tenants contents insurance policy – April 2023.

  • RSA will be there for you, if you ever need to make a claim and will put things right as quickly as they can.
  • In the last three years, RSA has paid more than 3,700 claims with a value of £2.5 million**.

***RSA claims data January 2020 – Dec 2022.

For tenants contents insurance policies purchased/ renewed on or after 01/01/2025 - you can download your important policy information; Policy wording, Insurance Product Information document, Essential Insurance Document.

  • New paper application form  
  • New policy wording
  • New Insurance Product Information Document (IPID)
  • New Essential Information Document (EID)

If you purchased or renewed your contents insurance policy before 01/01/2025, the above documents do not apply to you. Please refer to the policy documents sent to you in the post.

If you need new copies or you have any questions please call 0345 671 8172.

In this section

  • Report a council housing repair
  • Housing repairs and maintenance
  • Welfare housing improvements
  • Chargeable housing repairs
  • Emergency council housing repairs
  • Housing alterations by tenants
  • Household contents insurance
  • Repairs Charter
  • Disrepair Claim Scams
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