Home contents insurance and its benefits
The Diamond Insurance Scheme is a specialist home contents insurance scheme that's offered to members by SFHA in conjunction with Thistle Insurance Services Limited.
by Diamond Insurance Scheme
Whether you have just moved into your property or have resided in your home for a number of years, live in a flat or sheltered accommodation, it’s always a good idea to consider what a home contents insurance policy would cover you for.
Home contents insurance provides cover for the contents of your home, including cover for items such as furniture, carpets, curtains, clothes, bedding, electrical items, jewellery, pictures and ornaments.
No matter how careful you are, there’s always a risk that your belongings could be broken, damaged or stolen, so home contents insurance may help provide peace of mind should the worst happen.
Imagine if your washer was to leak, causing damage to your carpets, or your property flooded, damaging all the contents in your home, or you had a break-in and your valuable possessions were stolen – could you afford to repair or replace all of your possessions?
Unfortunately, these things do happen, and that’s why it’s a good idea to consider taking out home contents insurance, either through the Diamond Insurance Scheme or by making your own arrangements.
Some of the reasons to consider the Diamond Insurance Scheme, which was designed specifically for tenants and residents in social housing, in Scotland:
- apply over the telephone or complete an application form
- covers theft, water damage, fire and many more household risks
- cover for fixed improvements you have added as a tenant of the home, such as fitted kitchen units and bedroom furniture (up to 20% of the contents sum insured)
- covers theft or attempted theft of contents in sheds, outbuildings and garages (up to £2,000)
- covers damage to external glazing for which you are responsible
- covers replacement and installation of locks for outside doors and alarms, if keys are lost or stolen
- you don’t need to have special door or window locks (just a lockable front door)
- flexible regular payment options – you can pay premiums by cash fortnightly or monthly, monthly by direct debit or annually (fortnightly and monthly premiums include a transaction charge).
Limits and exclusions apply. A copy of the policy wording and/or the Insurance Product Information Document (IPID) are available on request.
To find out more about the Diamond Insurance scheme, designed for tenants in social housing in Scotland, please contact URIS Group on 0345 671 8172 or ask your landlord for an application pack.