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The importance of home contents insurance

Rooftop Communications Team
November 28, 2025

We understand that the cost of living makes you cautious about every household spend, but home contents insurance shouldn’t be one of the items you compromise.

Home contents insurance covers your personal and home possessions, including furniture, carpets, clothes, bedding, electrical items, jewellery, pictures, ornaments and more, against fire, theft, water damage, storms, floods, and other risks, such as accidental damage.

Many people underestimate the cost of replacing their belongings, furniture and house fixtures if something happens to destroy or damage their possessions.

Rooftop as a responsible landlord, insures the building itself and arranges cover for loss or damage to the structure. However, we don’t cover your home contents and personal belongings.

Please don’t assume your belongings aren’t worth enough. Look around your home and consider how much it would cost to replace everything if it was stolen or damaged.

Extended electrical appliance warranties will not cover water or fire damage or the costs of replacing a stolen item.

My Home Contents Insurance Scheme

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 cover most of your household contents.

It’s now easier for you to get covered with the My Home online platform. With 24/7 access, you can now arrange your insurance and choose to pay by direct debit at any time that suits you.

For further information of My Home Contents Insurance scheme or to get a quote:

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.

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Rooftop Communications Team
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