If you rent a council property, the Council provides buildings insurance. There is no need for tenants to take out buildings insurance.
The Home Contents Insurance scheme covers risks such as fire, theft, vandalism, TV, clothing, carpets and electrical goods. Most household goods and contents will be insured within the home. The insurance also covers loss and theft of keys and contents of freezer. There is also cover for personal liability.
All home contents are covered by the policy on a new for old basis, with the exception of linen and clothing which will be replaced at their current cost, less an amount for wear and tear.
Summary of cover
| Minimum amount insured | From £4,000 |
|---|---|
| Types of losses insured: | Fire, theft, Vandalism and water damage |
| Accidental Damage | TV's their aerials, hi-fis, video recorders, personal computers,DVD players and decoders. External aerials including satellite dishes. Mirror and glasses |
| Valuables: Personal items (but not clothing) including: Pictures, works of art, jewellery, watches, articles of gold, silver or other precious metals, stamp, coin and medal collections, photographic equipment and furs | 40% of the Contents sum insured or £5,000 whichever is higher for a claim involving more than one valuable item. |
| Valuables | Single article limit of £2,500 |
| Contents kept in outbuildings, garages, sheds, greenhouses and cellars | Up to £3,000 |
| Freezer Contents: | Up to £500 |
| Theft and loss of keys/replacement locks: | Up to £500 |
| Tenants and leaseholders improvements: | Up to 20% of amount insured or £2,000 whichever is the greater |
| Contents in the open (within the boundaries of the home) | Up to £1000 |
| Fatal injury benefit: | £10,000 death benefit no age limit |
| Personal liability | £2,500,000 |
Important
Please note that full extended accidental damage cover is available at an additional cost. This is only a brief summary of the policy cover. Terms and conditions, limits and exclusions apply, and you should ensure that your requirements for insurance will be met. A copy of the policy wording is available on request. We recommend you keep a record (including copies of letters) of all information provided to the insurer for your future reference. A copy of the completed application form will be supplied on request within a period of three months after its completion.
Terms and Conditions
Terms and conditions apply.
Acceptance restrictions may apply for conviction and claims experience.
Dudley Metropolitan Borough Council 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.
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