Contents insurance for council tenants and leaseholders

About tenants home contents insurance

As your housing provider, we insure the building and anything we provide.

You are responsible for insuring your home contents (belongings), such as:

• furniture
• carpets
• electrical items

Contents insurance can help you replace your belongings if something unexpected happens, for example:

• a leak
• fire
• theft
• accidental damage

About the insurance provider – Ecclesiastical

We have worked with Ecclesiastical Insurance Office PLC (Ecclesiastical) to offer contents insurance for our tenants.

Ecclesiastical will provide all new and renewing policies.

The new monthly policy is called "Simple Home Contents".

Ecclesiastical's partner, URIS, administers the policy. URIS will:

• answer your questions
• give you a quote
• take your payments
• help you if you need to make a claim

This scheme is optional. You can choose a different provider, or decide not to have contents insurance.

What is covered

You will be covered for:

• loss or damage to your contents caused by events such as:
  • fire
  • theft
  • escape of water
  • storm
  • flood
• occupier’s and personal liability – up to £2,500,000
• valuables in your home, including jewellery and watches – up to £2,500 per item
• accidental damage to mirrors, ceramic hobs, and fixed glass in furniture
• tenant liability cover
• fridge and freezer contents
• contents in your outbuildings or garages
• accidental damage to locks and loss of keys

You can request optional, extra cover.

You will not be covered for:

• natural wear and tear
• mechanical breakdown of items
• faulty work by a tradesperson

Find out more about Simple Home Contents Insurance cover

Get a quote

You can get a quote and apply online on the Ecclesiastical website.

If you prefer to talk to someone, phone: 0333 038 4156

The cost of the insurance will depend on:

• individual circumstances
• your postcode
• the level of cover you choose

Page last updated: 18 June 2026