Insurance

 

Buildings insurance


This covers the structure of your home including walls, window frames, communal areas and roofs.  It protects against damage caused by fire, flood, burglary or subsidence.  It does not cover against gradual deterioration or wear and tear.

Worthing Homes holds this insurance for your home and it is paid for as part of your rent.


Home contents insurance


This covers your personal belongings such as furniture and carpets, clothes, stereo equipment and computers. It usually protects you against damage or loss caused by fire, flood and burglary.

The only time we take any responsibility for damage or loss is if we, or any of our contractors, have been negligent.

If you live in a flat you are also advised to take out insurance to cover you in case you cause damage which affects your neighbours flat such as water damage caused by a burst pipe.

If you suffer damage because of a fault caused by a neighbour such as flood, you may be able to claim under their insurance or take legal action against them. Our buildings insurance would not cover this but it would cover damage to the structure of the property.


Worthing Homes home contents insurance


Worthing Homes has joined together with Farr plc insurance brokers to provide an Insurance plan that is specifically designed for tenants and leaseholders. It offers a number of benefits which are of real value:

  • low cost
  • convenient payment methods
  • fast, efficient claims service

What does the policy cover?


It covers all of your household contents against a wide range of unforeseen hazards including new for old cover (except for clothing and bed linen). The policy has no excess and avoids ‘insurance small print’.

The policy also covers:

  • £300 for money and credit cards
  • accidental damage to pictures, bathroom fittings and home entertainment
  • equipment
  • £200 for frozen food
  • £2,000 one off payment in the event of accidental death
  • £1 million for claims made against you by other people for injury or property
  • damage caused by your negligence


How much does the insurance cost?


For more details and the current prices please contact your Neighbourhood Housing Officer or pick up a leaflet from our office.

Please consider this carefully as for just a few pence a week you can leave your property safe in the knowledge that the things you value are covered.