You are responsible for putting your own contents insurance in place. We are responsible for arranging buildings insurance and will charge you a fee for the cost of this through your service charge.
Your buildings insurance covers the structure of your home including:
- communal areas
This insurance protects these parts of your home against damage caused by:
- criminal damage
Your buildings insurance does not cover:
- your day to day home repairs and maintenance
- wear and tear
If you make a claim you will probably be asked to pay an excess charge. The home ownership team can advise you how to make a claim.
In most instances we insure the structure of your building with Aviva. Please ask your home ownership officer if you would like a copy of the things it covers. If you would like to make a claim please contact our brokers AJ Gallagher on 01245 341200 who will arrange for a claim form to be sent to you.
If there is a Managing Agent for your property they may provide this insurance so please check with them for confirmation. If you are unsure who insures your property please contact us.
If with our permission, you sublet your property we recommend you take out landlord insurance. Please see SELLING OR SUBLETTING YOUR HOMEDownload this information
A Guide to Service chargesView more
Major works and Section 20View more
Carrying out improvements and alterationsView more
Selling or subletting your homeView more
What to do if you are struggling to payView more
Download all of this leaseholder informationDownload
Fires in the home kill hundreds of people in the UK every year. Small fires are more common, but they can still cause serious injuries and damage homes and possessions.View more