Protect the things that mean the most to you
Have you ever wondered how you’d cope if you lost your most treasured belongings in an emergency like a fire, theft or damage from flooding?
Home is where the heart is, but it’s also where you keep the possessions that mean the most to you, so it’s important you protect them - that’s where contents insurance comes in.
Why is contents insurance important?
If the worst was to happen, a contents insurance policy could cover the cost of replacing your personal items to help put things right. As your landlord, we insure the structure of your home, but this doesn’t include what’s in it.
Contents insurance can really make a huge difference after a tragedy, and gives you real peace of mind, knowing that your belongings are protected. Not everything will be covered by contents insurance, however most policies allow you to pay for additional cover to suit your individual needs.
What does it cover?
Every contents insurance policy is different, but as a general rule, our ‘contents’ are the items you would take with you if you moved home. This will usually include items such as furniture, kitchenware, electrical items, clothes, jewellery, ornaments and antiques.
What isn't covered?
Not everything is covered by contents insurance. Structural elements of your home are not covered, nor is mechanical breakdown or wear and tear of your belongings. However, freestanding objects like a washing machine may be covered.
What types of insurance are there?
When it comes to contents insurance, there are three main types of policies available:
Bedroom rated – this type of policy uses the number of bedrooms in your home to calculate the amount of contents cover you get. These policies typically provide between £40,000 and £50,000 of cover.
Sum insured – For this policy, you’ll need to calculate the amount of contents cover you need, based on how much your items are worth.
Unlimited sum insured – An unlimited sum insured policy covers all your contents without any limit, so you don’t have to worry about being underinsured.
We've teamed up with Royal & Sun Alliance Insurance
We’ve worked with our insurance provider, RSA, to make sure the cover, price, and service could be suited to your needs. Prices start from as little as 45p per week, £1.47 per month, or £15.65 a year* for contents insurance.
You can pay, weekly, fortnightly, monthly or annually, whatever suits you best, and there won't be any excess on claims or fees for changing your details or cancelling your policy. You can upgrade your cover to protect your homes contents against accidental damage and you have the option to protect your belongings whilst away from the home. You can also cover your bicycles, hearing aids, and wheelchair/mobility scooter(s) whilst away from your home.
*Prices shown are for £4,000 of contents insurance cover, based on postcode area and include a transaction fee. They exclude accidental damage and optional covers. The price you pay will depend on your individual circumstances, postcode and cover chosen.
RSA price data June 2023.
Ready to find out more?
More than 25,000 tenants have already chosen RSA’s tenants contents insurance**, so they understand what you need from them. If you'd like to know more, please read the Insurance Product Information Guide included here or find out the different ways you can apply below!
**Number of customers with active tenants contents insurance policy – April 2023.
Submitting a claim
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 £2.5Million ***. We know that submitting a claim for home contents insurance can be very stressful. To help make the process easier, you can now access an online claims portal provided by the insurer. You can use the portal to submit a claim and track its process – all in one place. You can find the claims portal here.
***RSA claims data January 2020 – December 2022.
Find the right deal for you
If you’d prefer to shop around for the best deal and compare quotes from different providers, comparison sites such as MoneySuperMarket and Confused.com are very helpful.
Before you start looking for contents insurance quotes, you’ll need to know how much your possessions are worth, and there are plenty of online calculators to help you do this.
You should always read the terms and conditions carefully before committing to a policy, to reduce the chances of being caught out if you need to claim.
