Home contents and building insurance

It's important your home is insured. The type of insurance you need depends on your tenancy, lease, and the kind of home you live in.

There are two main types of home insurance:

  • Buildings insurance — covers the structure of your home
  • Contents insurance — covers your belongings

What type of home insurance do I need?

If you rent your home from us, you only need to pay for home contents insurance. We take care of the buildings insurance for you.

What is home contents insurance?

Contents insurance helps protect your belongings if something goes wrong. This could include things like theft, fire, flooding, or accidental damage.

You are responsible for arranging this insurance yourself. If something happens, you may need to make two claims:

  • One for the building (which we cover)
  • One for your belongings (which you cover)

What is buildings insurance?

This includes things like the walls, roof, windows, and permanent fixtures such as kitchens and bathrooms. It protects your home against damage from things like fire, flooding, storms, or vandalism.

As a tenant you do not need to arrange or pay for buildings insurance yourself. Redwing (through our parent organisation, The Regenda Group) arranges this for you as part of your service charge. This is explained in your lease. We review the insurance contract every five years to make sure it offers good value.

Please note: you will need to pay the insurance excess if you make a claim. You can find the amount in your insurance summary.

Making a claim

If you do need to make a claim against your building insurance, please call 0161 274 9077, and quote policy number 3323759.