Get a quick and easy quote for your home contents insurance online
We've made getting a quote for your home contents insurance even easier. You can now get cover for your household goods and contents online (Direct Debit only) or over the phone. All social housing residents are eligible for cover and we don’t require specific types of lock to get cover. As long as your external doors can lock, we can keep you covered.
We offer flexible payment options to suit your needs. You can conveniently purchase your policy online with Direct Debit. You can also speak to our knowledgeable team if you'd prefer to pay by a different method that may better suit your needs, or need further support to pay by Direct Debit, then simply call us on 0345 450 7288.
My Home contents insurance
Your housing provider may not insure your furniture, belongings and other personal items within your home against theft, fire, vandalism, burst pipes and other household risks. The My Home Scheme can offer tenants and residents the chance to insure the contents of their homes.
The National Housing Federation has teamed up with Thistle Tenant Risks, who provide the My Home Contents Insurance. The My Home Contents Insurance Scheme is a specialist insurance scheme provided by Thistle Tenant Risks, The policy covers the contents and personal belongings for tenants in social housing against loss or damage from specific events (for example, fire, theft or escape of water).
What's included in our contents insurance?
The My Home Scheme covers most household goods and contents in your home, including furniture, TVs, clothing, carpets, electrical items, and general household goods. It does not cover items used or held for business or professional purposes.
The policy includes coverage of up to £500 for the replacement and installation of locks for external doors and windows if your keys are lost or stolen.
The policy protects the contents of your fridge and freezer. However, damage caused by the deliberate disconnection of your electricity supply is not covered.
Additional cover options can be added to the standard policy for an extra premium.
Terms, conditions, limits, and exclusions apply. You can download a copy of our policy wording here.
Reasons to choose My Home
If you're a resident in social housing and you rent your home, then your landlord may not cover your contents as part of the tenancy agreement.
It’s a good idea to check the cover in place and consider what a home contents insurance policy would cover you for, in order to help you make an informed decision on whether you need one.
Contents insurance is designed to help protect your personal belongings. No matter how careful you are, there’s always a risk that your personal belongings could be broken, damaged or stolen.
How can you get a quote?
You can get a quote by using the quote buttons on this page, by giving one of our friendly team a call on 0345 450 7288 or you can request a call back using our contact us page.
Personal Belongings
This contents insurance policy has been designed to meet the demands and needs of those living in social housing who wish to insure their possessions. All social housing tenants and residents are eligible to apply.
Minimum Requirements
You don’t need to have a special door or window locks, just a lockable front door.
New for Old Cover
For most items cover is provided on a new for old basis, with no deduction for wear and tear - except in respect of linen and clothing.
Standard Accidental Damage Cover
Cover for accidental damage to mirrors, fixed glass in furniture, televisions, home computers, home entertainment equipment, homeworking equipment (up to £500 per claim), and CCTV equipment within your home. A £50 excess may apply. Portable items such as mobile phones can only be covered if Extended Accidental Damage is added to your cover.
Standard Cover
Cover against fire, theft (theft from outbuildings is limited to £3,000), vandalism, water damage and other household risks. These are examples of the types of risk your contents will be insured for. Full details of the policy cover, limits and exclusions are available on request before you apply for cover.
How can you get a quote?
You can get a quote by using the quote buttons on this page, by giving one of our friendly team a call on 0345 450 7288 or you can request a call back using our contact us page.
Personal Belongings
This contents insurance policy has been designed to meet the demands and needs of those living in social housing who wish to insure their possessions. All social housing tenants and residents are eligible to apply.
Minimum Requirements
You don’t need to have a special door or window locks, just a lockable front door.
New for Old Cover
For most items cover is provided on a new for old basis, with no deduction for wear and tear - except in respect of linen and clothing.
Standard Accidental Damage Cover
Cover for accidental damage to mirrors, fixed glass in furniture, televisions, home computers, home entertainment equipment, homeworking equipment (up to £500 per claim), and CCTV equipment within your home. A £50 excess may apply. Portable items such as mobile phones can only be covered if Extended Accidental Damage is added to your cover.
Standard Cover
Cover against fire, theft (theft from outbuildings is limited to £3,000), vandalism, water damage and other household risks. These are examples of the types of risk your contents will be insured for. Full details of the policy cover, limits and exclusions are available on request before you apply for cover.
Our optional extras
For an additional premium, as part of the My Home Contents Insurance Scheme we are able to offer you the following optional extras.
Terms, conditions, limits, and exclusions apply. A copy of the policy wording is available upon request before you apply for cover.
Extended Accidental Damage
Our extended accidental damage option provides cover to your other contents while they are in your home. This includes portable items such as smartphones, iPads and tablets (£50 excess may apply). Wear and tear and gradual damage not covered.
Personal Possessions
Cover against loss, theft, or damage to your personal possessions. For example, clothing and other items designed to be worn or normally carried, whether inside your home or anywhere in the world. Individual items are covered up to a maximum of 50% of the selected personal possessions sum insured, which you can choose to be £1,000, £2,000, or £3,000. Sports equipment excluded while in use
Wheelchair cover
Up to £1,000, £2,000 or £3,000 for loss or damage to wheelchairs owned either by you or a family member living with you. Wheelchairs cannot be licensed for road use or exceed speeds of 8mph. Excludes wear and tear, gradual deterioration, electrical or mechanical breakdown.
Hearing Aid Cover
Get cover for loss or damage to hearing aids owned by you or a family member who lives with you, or who you are responsible for. Choose from 3 cover limits of either £1,000, £2,000 or £3,0000. Excludes wear and tear, gradual deterioration, electrical or mechanical breakdown and damage caused by pets.
Structure Cover
Up to £500 for loss or damage to the structure of garden huts, greenhouses and garages that from part of your home and are your responsibility. Contents within the structure are covered as standard as long as included within the sum insured, which you can calculate here.
Extended Accidental Damage
Our extended accidental damage option provides cover to your other contents while they are in your home. This includes portable items such as smartphones, iPads and tablets (£50 excess may apply). Wear and tear and gradual damage not covered.
Personal Possessions
Cover against loss, theft, or damage to your personal possessions. For example, clothing and other items designed to be worn or normally carried, whether inside your home or anywhere in the world. Individual items are covered up to a maximum of 50% of the selected personal possessions sum insured, which you can choose to be £1,000, £2,000, or £3,000. Sports equipment excluded while in use
Wheelchair cover
Up to £1,000, £2,000 or £3,000 for loss or damage to wheelchairs owned either by you or a family member living with you. Wheelchairs cannot be licensed for road use or exceed speeds of 8mph. Excludes wear and tear, gradual deterioration, electrical or mechanical breakdown.
Hearing Aid Cover
Get cover for loss or damage to hearing aids owned by you or a family member who lives with you, or who you are responsible for. Choose from 3 cover limits of either £1,000, £2,000 or £3,0000. Excludes wear and tear, gradual deterioration, electrical or mechanical breakdown and damage caused by pets.
Structure Cover
Up to £500 for loss or damage to the structure of garden huts, greenhouses and garages that from part of your home and are your responsibility. Contents within the structure are covered as standard as long as included within the sum insured, which you can calculate here.
Premiums are calculated based on your postcode, age, level of cover you require and preferred payment method.
This insurance does not cover your property against everything that can happen. Terms, conditions, limits and exclusions apply. You can download a copy of our policy wording here. To make sure that you are always covered you must keep up to date with your payments. If you don't pay your insurance premium your insurance may be cancelled.