Would your belongings be protected in case of an accident?

This month Neighbourhoods Manager, Danielle shares some important advice around contents insurance and protecting your belongings.

“Imagine a fire just broke out in your home and destroyed all your belongings, would you have the correct insurance for all your beloved items to be replaced?

“If you answered with somethings along the lines of: ‘Of course! My landlord would pay to replace my belongings’, you’d be wrong.

“In the event of an accident like a fire or flood, we as your landlord are ONLY responsible for paying for any damage or completing repairs to fix the structure of the building.

“As a tenant, it’s YOUR responsibility to make sure that the belongings inside your home like your furniture, kitchen appliances, curtains, bedding, clothing, technology, and more sentimental items like jewellery are protected through contents insurance.

“1 in 5 renters in the UK don’t have contents insurance. If you're one of those statistics, that could be a VERY costly mistake!

“Did you know? That it would cost the average person £52,000 to replace the contents of their home? When you compare that with the average £6 a month cost for insurance, it makes sense to take out a policy and get your belongings covered.

“Not only that but when accidents happen, they happen quickly and unexpectedly, meaning you’d be unable to protect your things from harm.

“Accidents are also extremely stressful situations, and you wouldn’t want to add worrying about how you’ll pay to replace your items, to an already hectic experience.

“When considering if you need contents insurance, ask yourself this question: ‘If I tipped my home upside down, could I afford to replace all of the items that would fall out?’.

“Technology now makes it quick and easy to do and you could get contents insurance in less than 10-minutes! You could do a quick search online for providers, log on to your favourite comparison website where you can compare the best deals, or take a look at the ‘My Home Contents Insurance Scheme’ which is contents insurance specifically designed for social housing residents.

“You’ll just need to answer a quick questionnaire about you, your home, and your belongings and you’ll be given a price based on the cover you need. Then review the insurance proposal and arrange the best way to pay.

“Then that’s it, you’re all done, and you can leave the stress of a surprise bill behind you.

"Don't wait until it's too late to get the contents of your home protected against, fire and flood damage, ACT TODAY!"

Neighbourhood Manager
Danielle