The importance of contents Insurance for tenants

March 2023

As the weather remains cold and with low temperature figures looking to last a few more days or weeks.  Many tenants run the risk of potential burst pipes, floods or water damage.  Its important that you have contents insurance to protect your personal contents and belongings caused by any incident. Such as drenched carpets, water coming through the ceiling which could damage your tv or sofa or the belongings of your downstairs neighbour if in a block of flats. 

Osprey Housing insure the building fabric and structure of your home but it is your responsibility as a tenant to insure your possessions and personal belongings are suitably covered. 

Having insurance can give you peace of mind and protection against fire, flood, theft and much more.  We know when living on a budget contents insurance is often overlooked. But can you afford to replace your flooring, or your soft furnishings, or your appliances if there was a flood or fire in your home?  Contents insurance can often be found for less money than you would think, depending on the value of your belongings. 

There are many contents insurance policies available and some price comparison sites that will let you find the best deal that suits your needs. We had a look and found some information here: 

https://www.gocompare.com/home-insurance/tenants-insurance/ 

https://www.moneysavingexpert.com/insurance/renters-contents-insurance/ 

https://www.citizensadvice.org.uk/consumer/insurance/insurance/types-of-insurance/household-contents-insurance/#:~:text=It%20is%20a%20good%20idea,money%20to%20replace%20these%20items

A popular choice for tenant is Thistle Tenant Risks which is designed specifically for tenants -  

https://www.thistletenants-scotland.co.uk/ 

They have an online enquiry form and will give you a call back or you can email This email address is being protected from spambots. You need JavaScript enabled to view it. and they will call you back at a time that suits you 

Or you can phone them on 0345 450 7286  

Whichever policy you choose, be sure to check you have the cover that best suits your needs.