Home Contents Insurance
If you lost your Telly, would your landlord replace it?
More than likely ... NO!
When a house or a flat is rented from a Local Authority, a Housing Association or a private landlord, it is sometimes assumed - wrongly - that the landlord will have an insurance policy covering loss or damage to personal property.
Your landlord is responsible for insuring the building you live in but not your contents. You, as the tenant are responsible for insuring your belongings against theft, fire flood and other potential damage.
Is home contents insurance worth it? YES, we think so.
No one really likes paying insurance premiums until, in situations like flood, fire or theft, it becomes very worthwhile. If you take a moment to work out how much it would cost to replace every item in each of your rooms, you'll find that it soon mounts up.
It's likely that you'll have taken quite a while to accumulate all the items you own; the things you like to have and the things you have to have. Imagine if you had to replace some, or even all of them - in one go. It's not a thought anyone likes to have and hopefully it won't happen...but it just might.
Making sure that you are covered with a suitable home contents insurance policy means that you don't have to think about it too much.
Perth & Kinross Council has arranged an insurance scheme for its tenants with Royal & Sun Alliance. It offers low cost peace of mind as well as easy weekly payments.
Participation in this scheme is not an official requirement but we strongly suggest that all our tenants have some form of contents insurance.
For more details about the Royal & Sun Alliance scheme, collect a leaflet from your local office or call 08457 337788.
