Home Contents Insurance
As your housing provider, we are responsible for insuring the external (outside) structure of your home. Any personal possessions such as furniture, clothing and white goods are not covered as part of your tenancy agreement.
The Role of Saffron Housing Trust
As your housing provider, we are responsible for insuring the external (outside) structure of your home. This means that the building itself is protected against various risks. However, our responsibility does not extend to the contents inside your home.
Importance of Home Contents Insurance
Why You Need It
Any personal possessions such as furniture, clothing and white goods are not covered as part of your tenancy agreement. So, have you considered what would happen if your personal belongings were damaged or stolen?
It is important that you have home contents insurance because if any of your possessions are lost, stolen or damaged you will have to pay to replace them. This could lead to a significant financial burden, especially if multiple items are affected. Having home contents insurance ensures that you do not have to worry about these costs, making it a good investment for both your peace of mind and financial security.
What It Covers
Contents insurance can cover your possessions against a range of incidents, including:
- Fire: Protects against damage from accidental fires in your home.
- Floods: Covers water damage, often due to severe weather conditions.
- Accidental Damage: Offers protection for scenarios like dropping and breaking an item or accidental spills on furniture.
Do obtain a policy that suits your needs as each policy may vary, so it is crucial to understand what specific risks are included in your coverage.
For more information about home contents insurance, please visit Citizens Advice Household contents insurance - Citizens Advice