We insure the structure of your home but not the contents. This is what’s inside it, like your furniture and personal belongings.
When you buy Tenants Contents Insurance, your personal belongings are insured against:
- fire
- theft
- flooding or escape of water
- accidental damage
We work with one of the UK’s largest insurers, Aviva, to offer home contents insurance for council tenants.
You will not have to pay extra if you need to make a claim.
You can also choose to pay more to cover:
- personal belongings away from the home
- wheelchairs and mobility scooters
- hearing aids
Costs of cover
The table shows how much contents insurance costs based on the value of your belongings.
| Value of belongings | Monthly cost of standard cover | Monthly cost including accidental damage |
|---|---|---|
| £4,000 | £1.13 | £2.77 |
| £5,000 | £1.41 | £3.47 |
| £6,000 | £1.69 | £4.16 |
| £7,000 | £1.97 | £4.85 |
| £8,000 | £2.25 | £5.55 |
| £9,000 | £2.54 | £6.24 |
| £10,000 | £2.82 | £6.93 |
| £11,000 | £3.10 | £7.63 |
| £12,000 | £3.38 | £8.32 |
| £13,000 | £3.66 | £9.01 |
| £14,000 | £3.94 | £9.71 |
| £15,000 | £4.23 | £10.40 |
| £16,000 | £4.51 | £11.09 |
| £17,000 | £4.79 | £11.79 |
| £18,000 | £5.07 | £12.48 |
| £19,000 | £5.35 | £13.17 |
| £20,000 | £5.63 | £13.87 |
| £21,000 | £5.92 | £14.56 |
| £22,000 | £6.20 | £15.25 |
| £23,000 | £6.48 | £15.95 |
| £24,000 | £6.76 | £16.64 |
| £25,000 | £7.04 | £17.33 |
| £26,000 | £7.32 | £18.03 |
| £27,000 | £7.61 | £18.72 |
| £28,000 | £7.89 | £19.41 |
| £29,000 | £8.17 | £20.11 |
| £30,000 | £8.45 | £20.80 |
| £31,000 | £8.73 | £21.49 |
| £32,000 | £9.01 | £22.19 |
| £33,000 | £9.30 | £22.88 |
| £34,000 | £9.58 | £23.57 |
| £35,000 | £9.86 | £24.27 |
| £36,000 | £10.14 | £24.96 |
| £37,000 | £10.42 | £25.65 |
| £38,000 | £10.70 | £26.35 |
| £39,000 | £10.99 | £27.04 |
| £40,000 | £11.27 | £27.73 |
Optional extra costs
You’ll need to pay an extra cost to cover:
- personal belongings
- wheelchairs and mobility scooters
- hearing aids
For example, if you want £1,000 cover for hearing aids and £2,000 for personal belongings it would cost you £11.70
| Value | Monthly cost |
|---|---|
| £1,000 | £3.90 |
| £2,000 | £7.80 |
| £3,000 | £11.70 |
| £4,000 | £15.60 |
Apply for home contents insurance
You can apply online or using the downloadable form.
You must review the Important Notice and Declaration in the application pack before calling to apply.
Download the application form:
Important information
Acceptance restrictions may apply for conviction and claims experience.
Price includes Insurance Premium Tax (IPT) charged at the appropriate rate.
The policy is:
- underwritten by Aviva Insurance Limited
- arranged by Aon UK Limited
- administered by Wessex Group (WIMS Ltd)
They are all authorised and regulated by the Financial Conduct Authority.
Aviva Insurance Limited is registered in Scotland under number SC002116. Its registered office address is Pitheavlis, Perth PH2 0NH.