Tenants Contents Insurance.pdf

The policy covers contents and personal belongings for tenants in social housing against loss or damage from specific events, with coverage limits including:
- Valuables: 40% of contents sum insured or £5,000
- Accidental breakage of glass and mirrors: up to contents sum insured
- Accidental damage to electrical equipment: up to contents sum insured
- Theft from outbuildings or garages: up to £3,000
- Personal liability: up to £2,500,000
- Tenant’s liability: up to 35% of contents sum insured
- Replacement locks and keys: up to contents sum insured
- Frozen food: up to contents sum insured
- Domestic animal cover: up to £200
Optional covers include Extended Accidental Damage, Personal Possessions away from home, and Garden huts, garages, and greenhouses.
Exclusions include a £50 excess for accidental damage, escape of water, malicious damage, and theft if the home is unoccupied, as well as loss or damage caused by wear and tear, domestic pets, or electrical/mechanical breakdown.
The policy can be paid annually or in monthly, fortnightly, or weekly instalments, and can be cancelled within 14 days for a full refund or after 14 days for a proportionate refund.
The policyholder must provide honest and accurate information, notify the insurer of changes, and allow the insurer to negotiate and settle claims.