Contents insurance and home safety tips

Contents insurance &
home safety tips

Find out how to get content insurance
and how to keep your home safe.

Contents insurance

What is contents insurance?

Contents insurance is designed to help protect your possessions. No matter how careful you are, there’s always a risk that your belongings could be broken, damaged or stolen so home contents insurance can help provide peace of mind.


Do I need contents insurance?

If you are a tenant who rents, then your landlord may not cover your contents as part of the tenancy agreement. It’s a good idea to consider what a home contents insurance policy would cover you for in order to help you make an informed decision on whether you need one.


How can I get contents insurance?

To help you decide whether home contents insurance is right for you, we have teamed up with Thistle Tenant Risks, and  Ageas Insurance Limited who provide the My Home Contents Insurance Scheme, a specialist Tenants Contents Insurance policy.

The My Home Contents Insurance Scheme can offer you insurance for the contents of your home including cover for items such as furniture, carpets, curtains, clothes, bedding, electrical items, jewellery, pictures and ornaments.


How can I get more information?

•  Ask us for an application pack.

•  Call Thistle Tenant Risks on 0345 450 7288

Visit Thistle's website for more information or to request a callback


About Thistle Insurance

The National Housing Federation is an Appointed Representative of Thistle Insurance Services Ltd. Thistle Insurance Services Limited is authorised and regulated by the Financial Conduct Authority FRN 310419. Registered in England under No. 00338645. Registered office: Rossington’s Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. Thistle Insurance Services Ltd is part of the PIB Group.

Read Thistle's data protection privacy policy

Insurance claims 

If you are a leaseholder and need to claim on the buildings insurance, please call Protector Insurance on 0161 274 9077, quoting policy number 788964-4.1

Home safety tips

Fire safety

We carry out regular fire safety checks of our homes. Please test your smoke detectors regularly to ensure they are in good working order.

To provide expert advice and reduce the risk of fire in your home we work in close partnership with the Royal Berkshire Fire and Rescue Service and the Hampshire Fire and Rescue Service:

Find out more about the Royal Berkshire Fire and Rescue Service  Find out more about the Hampshire Fire and Rescue Service

Gas safety

Every 12 months, we carry out safety checks on all the gas boilers and gas fittings that we supply to our customers’ homes. This service is offered to our leaseholders on request (charges may apply).

If you smell gas, please contact the National Gas Emergency Service immediately, by calling 0800 408 5500.

Carbon monoxide

Carbon monoxide (CO) is a colourless, odourless, tasteless poisonous gas that is produced by the incomplete burning of fossil fuels (including gas, oil, wood, petrol and coal). 

Learn more about carbon monoxide

Condensation and mould

Condensation can affect all homes, old or new, and can become more noticeable in the autumn and winter. Everyday activities, including cooking, washing, bathing and even breathing, can release moisture into the air.

Read our condensation, damp and mould leaflet

Read more about treating condensation, damp and mould

Water safety and legionella

As a responsible landlord, we carry out risk assessments, repairs and checks of water systems at our sheltered schemes and in communal water storage tanks. This is done by a specialist to ensure good water safety.

To further reduce your risk of contracting any water-related diseases, such as legionella, please follow these steps:

  • Make sure taps are in regular use (at least weekly) – if you’ve been away on holiday or are taking up a new tenancy, run all taps at a gentle flow rate for two minutes (we appreciate you may be on a water meter but this is an important safety measure which we recommend)
  • Keep showerheads or any other fitting in a clean condition and keep limescale to a minimum
  • Hot water temperatures should be set between 55°C and 60°C where possible. At 55°C any Legionella bacteria in the water is killed off. Hot water over 60°C can lead to a risk of scalding so take care when using hot water. If you think your water heater is not working properly then please contact us.

Energy bills

To help you reduce your bills and save energy, we have teamed up with Citrus Energy to offer a service that makes switching your current utilities providers an easy and straightforward process.

Find out how you can switch your energy provider

Severe weather

You can find out what the weather forecast on the Met Office website.

Visit the Met Office website

If you have any concerns about the weather and its impact on your home, please contact us. 

Contact us

Child-related accidents

Most accidental injuries to children can be avoided through increased awareness, improvements in the home environment and greater product safety.

Find out how to prevent children from having accidents


Unless you know who you are talking to, never give your four-digit credit or debit card PIN number, online banking codes, passwords or personal details to anyone, including the bank or police. Our staff will always show you their ID and you can contact us to verify any colleagues or approved contractors.

Home alterations

Please don't make any alterations to your home without speaking to us first.

Click here to read about our alterations policy and fill out an agreement form

Utility cupboards

To access your communal utility cupboard (for telephone or TV connections), please contact our estate services team 48 hours before your contractor's appointment.

Contact our estate services team

TV aerials

We maintain and repair communal TV aerials for our rented flats and sheltered schemes, but you are responsible for looking after the parts, connections and sockets within your home. If you live in a house or independent dwelling, your TV aerial is your responsibility.

Read about our repairs policy