As your freeholder, we insure the structure of your home against damage caused by:
- fire
- flood
- water damage
- earthquake
- subsidence
- accidental damage.
Our insurance also covers the full reinstatement cost of damage to anything that is fixed within the property, for example:
- fitted cupboards
- sanitary ware
- laminate or hard-wood flooring.
We do not insure any of the removable items within your home. For example, your furniture, your personal belongings and your carpets.
We strongly recommend that you take out home contents insurance to cover your personal belongings.
How to make an insurance claim
Our properties are insured with Zurich Municipal. Their telephone claims line is open 24 hours a day and they deal directly with all property claims.
To contact Zurich Municipal, please phone 0800 028 0336.
When you contact Zurich Municipal, please give:
- Your name
- Your address
- The policy number: JHA-22S126-0013.
You will be making your claim under Schedule 12 of the policy.
You are responsible for paying the excess on any policy claims. There is an excess of £350 in respect of each and every loss increasing to £500 for
escape of water from any tank, apparatus or pipe and £1,000 for
subsidence.
Please see below Zurich Municipal's Leaseholder guide on how to make a claim.
Repairing damage to your home
Zurich can offer you the services of a pre-approved contractor to carry out the repair work to your home.
If you would prefer to use your own contractor, you can. You will need to provide Zurich with two independent quotes before starting the work.
For more information
If you need more information about our insurance with Zurich Municipal, please fill out our contact form or phone us on 0207 326 3700.
Home Contents Insurance
While we insure the building you live in, it is your responsibility to insure your personal possessions.
Why should I have home contents insurance?
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.
To help you decide whether home contents insurance is right for you, Sovereign Network Group have teamed up with Thistle Tenant Risks, and Allianz Insurance plc who provide the My Home Contents Insurance Scheme, a specialist Tenants Contents Insurance policy.
For more information
Please refer to our Home Contents Insurance page for more details.