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Insuring your Housing Executive or housing association home and its contents

The Housing Executive or housing association will carry out repairs for any accidental damage done to the structure of your home. It is your responsibility to provide insurance cover for your personal property, furnishings and the decoration of your home.

Insurance cover

Home insurance policies vary greatly. Any policy you take out for home contents should at the very least cover you against fire, flood and theft. As a Housing Executive or housing association tenant you may be responsible for damage you have caused to items in your home such as cracking a toilet bowl, wash hand basin or bath. You may wish to discuss cover for such items with your insurance broker. Remember, if you do not have insurance for your personal property you run the risk of having to find all the money necessary to repair or replace items that have either been damaged or stolen.

Contact more than one insurance broker and ask them to quote you rates for insuring your property .

Home contents insurance guide

It is very important that your belongings are covered by home contents insurance. If the worst happened, how would you replace your TV, computer, sofa, and carpets? Even a small flood caused by a faulty washing machine or a burst pipe could cause a lot of damage. Home Contents insurance may cost less than you think and could protect you from the huge expense of replacing your belongings.

The Consumer Council has produced a guide to Home Contents Insurance for people who rent their homes.

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