Insuring your home and possessions
There are two types of insurance which you need for your home, buildings insurance and contents insurance.
Home Insurance
Buildings insurance
Rooftop insure buildings against damage. This insurance covers the structure of your home and items such as your kitchen and bathroom. It does not cover any of your personal belongings.
Contents insurance
Rooftop Housing Group does not insure the contents of your home or your personal possessions. Along with the National Housing Federation, we urge you to arrange home contents insurance for this reason.
Buildings Insurance
Buildings insurance covers the costs for damage to the structure of a building such as to external walls, roofing, internal wiring and drainage and to items such as your kitchen and bathroom. Buildings insurance does not cover the costs of replacing or repairing personal possessions, appliances and most other items inside the home.
If you rent a home, have a lease agreement or are a shared owner with Rooftop Housing Group you do not need to arrange for buildings insurance, this is provided by Zurich Municipal.
You will need to arrange your own buildings insurance if you own the freehold to your home (including with a mortgage) or if your lease agreement states that you are responsible for insuring the building. (Please check your lease agreement as there may be clauses relating to insurances for some lease agreements).
Making a Claim
In most circumstances you won't need to make a claim, however, if you need to make a claim against the policy then please contact us as soon as possible. Do not arrange any repair work until you have received permission from us or the insurance company.
Please contact us if:
- your home needs a repair we are responsible for
- there is damage to or issues with the outside of the building or communal areas
- If there is other damage in the home we should be aware of, such as faults with the internal wiring or plumbing leaks
The sooner we are made aware of an issue, the sooner it can be rectified, limiting the damage it may cause. This helps to minimise repair costs and future insurance costs.
Zurich Summary of Cover
For third party claimants and their solicitors, our Employers and Public Liability insurer are:
Zurich Municipal
Zurich House
2 Gladiator Way
Farnborough,
Hampshire,
GU14 6GB
their portal compensator ID is C00108 and our policy number is JHA-22S355-0013.
For Leaseholders and Shared Owners to view details on your buildings insurance with Zurich Municipal, please see the Leaseholder and Shared Owner Policy Summary of Cover.
To make a claim please visit: www.zurich.co.uk/municipal/make-a-claim
Contents Insurance
Rooftop does not cover your house contents as part of the tenancy agreement, only the buildings insurance is covered.
House contents insurance covers you against loss, theft or damage to your personal and home possessions. You don't have to take out home contents insurance. However, it's a good idea to do so because if any of your contents are lost, stolen or damaged you will have to pay to replace them.
For example, if you were to experience a flood at your property that was not the fault of Rooftop, you would need to pay for the damage caused to your belongings.
Contents insurance is designed to help protect your possessions. No matter how careful you are, there’s always a risk that your belongings could be broken, damaged or stolen so home contents insurance can help provide peace of mind should the worst happen.
Thistle Home Contents Insurance
It’s a good idea to 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.
To help you decide whether home contents insurance is right for you, Rooftop Housing Association has teamed up with Thistle Tenant Risks, and Great Lakes Insurance UK Limited who provide the My Home Contents Insurance Scheme, a Tenants Contents Insurance policy designed for tenants living in social housing.
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, pictures and ornaments.
Terms, conditions, limits and exclusions apply. For more information about the policy, please refer to the Insurance Product Information Document (IPID) and Policy Wording by contacting Thistle Tenant Risks on the telephone number below or visiting www.thistlemyhome.co.uk
Buy online with monthly Direct Debit
It’s now easier for you to get covered with the My Home online platform. You can now purchase your home contents policy online when paying monthly via direct debit, please note paying by direct debit is more expensive than other payment options.
How do you get further information or?
- Call Thistle Tenant Risks on 0345 450 7288
- Visit the website: www.thistlemyhome.co.uk for more information or to request a call back here: www.thistlemyhome.co.uk/call-back
- Buy Online: Visit www.thistlemyhome.co.uk to purchase your policy and set up monthly direct debit payments for added convenience.
The National Housing Federation working in partnership with Thistle Insurance Services Ltd. Thistle Insurance Services Limited is authorised and regulated by the Financial Conduct Authority Firm Reference Number 310419. Registered in England under No. 00338645. Registered office: Rossington’s Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. Thistle Insurance Services Ltd is part of the PIB Group.
What Rooftop means to me
Anonymous
Retirement Living - Seward Close
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