Building and contents insurance

Get more information and advice about buildings insurance and contents insurance for shared owners, leaseholders and tenants.

Intro
Buildings insurance

Buildings insurance

Buildings insurance protects the structure of your home, like your walls, roof, floors, ceilings, and permanent fixtures such as kitchens and bathrooms. It doesn’t protect your personal belongings.

If you’re a homeowner, which means you own part or all of your home either as a shared owner or a leaseholder, then we organise your buildings insurance. The cost of your buildings insurance will be passed on to you in your service charge and will usually be listed as ‘buildings insurance’.

If you’re a tenant, your buildings insurance is included in the cost of your rent, so you don’t need to worry about it.

Homeowner but your building’s managed by an external agent

If you’re a homeowner but your building’s managed by an external agent, the cost of your buildings insurance will be included in your service charge as ‘external management charge’.

Contents insurance

Contents insurance protects personal belongings like your furniture, appliances, electronics, clothing, and decorations from things like theft, fire, vandalism or water damage from burst pipes.

We don’t provide contents insurance, and your belongings are not protected by Citizen’s buildings insurance. That means you’ll have to cover the cost of replacing or repairing damaged belongings yourself unless you take out a contents insurance policy.

Should I get contents insurance?

We recommend every Citizen customer organises contents insurance for their belongings, whether they’re homeowners, tenants or licensees.

Our partner Thistle Insurance provides a My Home Contents Insurance Scheme, which is designed for residents in social housing. It insures things in your home like furniture, carpets, curtains, clothes, bedding, electrical items, jewellery, pictures and ornaments.

Find out more on the My Home Contents Insurance website, or call them on 0345 450 7288. You can also ask your housing officer for more information.

My Home Contents Insurance on Thistle Homes