Housing Associations & Insurance

paua1553

Hello


I've been renting with a housing association for 19 years and the tenants handbook has changed a couple of times since.
I've noticed that the cost of building insurance is included in my rent, but I am still expected to pay for damages to windows even though it might not be my fault, ie through burglary.
Is this is correct, as I am not able to get building insurance myself as I' m renting?


Many Thanks

bbk87

You should have some kind of contents insurance, usually if you're renting these include 'tenants liability insurance', which means if the window was damaged due to a break in, the contents insurers would cover it.

G_M

How much does a broken window cost?
How likely is it to happen?

Just put a few pounds aside each week in a savings acount and you'll soon have enough to cover the cost of this unlikely event. Better than putting a few pounds in an insurance company's pocket.

McKneff

The excess of contents insurance would probably be 10/20 times the cost of a pane of glass x

paua1553

Thanks for your comments. I will double check my contents insurance

bbk87

You can get £50, or even nil excess on some contents insurance policies.

RuthnJasper

I live in a Housing Association property and it's definitely the case for me that the rent/service charge includes building insurance but I have separate contents insurance which I arranged myself.

Sometimes a Housing Association can get you a lower rate of contents insurance if you take it out through them/their insurers. Might be worth giving them a call tomorrow to ask.

Good luck!