Before you apply for contents insurance for your council home, you'll need to work out how much it would cost to replace your belongings.

The policy covers:

  • items that are less than 5 years old - at the current replacement cost
  • items over 5 years old, clothing and household linen - at the current replacement cost with an allowance deducted for wear and tear

Get a more detailed breakdown of what's covered by 'simple' insurance.

Contents insurance for valuables

Valuables are items which are particularly prone to theft, such as jewellery.

This policy allows a maximum amount of cover of one third of the total sum, limited to £1,250 for any one valuable item.

Make sure you're adequately covered

The minimum values you can insure for are:

  • £6,000 - for customers aged 60 and over, or residents of sheltered or supported accommodation
  • £9,000 - for all other customers

How much you'll have to pay

You can pay your annual premium:

  • in one lump sum - by cash, cheque, Girobank credit or postal order (payable to 'Royal and Sun Alliance')
  • through Girobank at your local post office - weekly, fortnightly or monthly

Download our 'simple' contents insurance scheme application pack to help you calculate how much your insurance will cost.

Also see

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