Contents insurance

Plymouth Community Homes does not automatically insure your furniture, belongings or decorations against fire, theft, vandalism, burst pipes and other household risks. You will need to take out contents insurance.

We offer a scheme along with the National Housing Federation. It's called My Home Contents Insurance Scheme in conjunction with Thistle Tenant Risks and Allianz Insurance plc and it can offer tenants and leaseholders the chance to insure the contents of their homes in an easy, affordable way.

Payment of the premium

Premiums are calculated on a weekly basis and can be paid at any Post Office or Paypoint terminal, by Direct Debit or by Standing Order through your bank. You can also pay over the phone using a debit or credit card or online, using AllPay on MyPCH.

Insurance for your furniture, TV, clothing, carpets, electrical items and general household goods

When you take out this insurance most of your household goods and contents will be insured in your home. The insurance also covers replacement of external locks if your keys are lost or stolen and the contents of your freezer. There is also cover for personal liability, and cover for damage to fixtures and fittings which you may be legally responsible for under the terms of your tenancy agreement. Full details of the policy cover applying are available on request.

Insurance against fire, theft, vandalism, water damage and other household risks

These are examples of the types of risk your contents will be insured for. Full details of the policy cover applying are available on request.

Optional Extras

In addition to your standard contents cover, you have the option to add any of the following additional covers at an extra cost:

Extended accidental damage cover
Personal possessions cover (away from home)
Cover for the structure of garden huts, greenhouses and garages
Hearing aid cover
Wheelchair/mobility scooter cover

'New-for-Old'

All your homes contents are covered by the policy on a 'new for old' basis, with the exception of linen and clothing which will be replaced at their current cost, less an amount for wear and tear. When you are working out the cost of your insurance, you will need to work out how much it will cost to replace the full contents. If you underinsure your contents, any claim payment will be reduced to the same proportion as the contents sum insured bears to the full replacement cost.

Special low minimum sums insured

The lowest amount that can be insured is: