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Home contents insurance

Home contents insurance is a type of home insurance. It’s designed to cover the loss or damage to the things in your home that aren’t part of the structure or building.

Why do I need it?

Home contents insurance is designed to help protect your contents and possessions against loss or damage from specific events (for example, fire, theft or water damage).

Longhurst Group insures the building and fixtures, but not your personal possessions so it’s a good idea to consider whether you need contents insurance.

To help you decide whether home contents insurance is right for you, it’s worth considering what a home contents insurance policy would cover you for. You can then make an informed decision on whether you need one.

There are lots of places to shop for contents insurance, but Longhurst Group can point you in the direction of products specifically designed for people renting and people living in social and affordable housing.

For more information about the benefits of home contents insurance, we recommend reading this advice from Citizens Advice to get you started.

Choosing the right insurance

Price comparison sites are a great place to start - you can apply online, compare different policies and select one that's just right for you.

The My Home Contents Insurance Scheme

To help you decide whether home contents insurance is right for you, the National Housing Federation (NHF) has teamed up with Thistle Tenant Risks, and Ageas Insurance Limited who provide the My Home Contents Insurance Scheme, a specialist Tenants Contents Insurance policy.

The My Home Contents Insurance Scheme can offer you insurance for the contents of your home including cover for items such as furniture, carpets, curtains, clothes, bedding, electrical items, jewellery, pictures and ornaments.

How do I get further information?

  • Ask your local housing officer for an application pack.
  • Call Thistle Tenant Risks on 0345 450 7288

Alternatively, you can visit to find out more and to use their contents calculator to work out the value of your home contents… 

*Longhurst Group is not affiliated, associated, endorsed by, or in any way officially connected with Thistle Insurance Services Limited, or any of its subsidiaries or its affiliates. Thistle Insurance Services are a company that specialises in social housing contents insurance, however there are also other providers that can be found on comparison websites like Money Supermarket or Compare the Market.

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