Home Contents Insurance for Tenants


 

Many council tenants believe that the council automatically insures their furniture, belongings and decorations against fire, theft, vandalism or water damage such as burst pipes - this is not the case.

Your Homes Newcastle strongly advises all tenants to take out household contents insurance.  You can do this either through a scheme arranged by Newcastle City Council or by making your own private arrangements.

Could you afford to replace your possessions if they were stolen in a burglary or damaged by a fire, flood or accident? 

You can insure the contents of your home with any insurance company.  But, to make it easier and more affordable for you, YHN and Newcastle City Council have worked with Royal & Sun Alliance to design a scheme just for YHN tenants.

It’s a simple and affordable scheme which covers your furniture, belongings and decorations. Prices start from as little as 64p per week with premiums added to your rent so you don’t need to worry about keeping your payments up to date.

What does the scheme offer me?

  • New for old cover (except clothing and household linen where an allowance for wear and tear is deducted)
  • You don’t have to pay any excess if you make a claim
  • You can insure a low minimum sum
  • You don’t need to add any additional security to your home to be covered
  • You can make easy weekly payments with your rent.
  • You can also choose optional extras to cover accidental damage, personal belongings, wheelchairs and hearing aids.

How do I join the scheme?

You can download an application form below.  This contains full details about the scheme:

You can also pick up an application form at your local Community Housing Office or request one by emailing incomeyhn@yhn.org.uk  or calling 0191 278 7749.

When joining any insurance scheme, make sure you know exactly what you're covered for by reading your policy carefully.

Making a claim

If you have arranged insurance under this scheme and need to make a claim please contact the loss adjuster on 08456 718171 to request a claim form.

Read our frequently asked questions to find out more.

Home contents insurance and Under Occupation

If you're under occupying your home and are considering taking in a lodger to bring in some extra money to pay your rent, read our Frequently Asked Questions to find out what taking in a lodger means for your policy.