We insure the structure of your home. As long as you are a council tenant and have not exercised your right to buy, you do not have to insure the walls, doors, ceilings, roof, chimneys and window structures.
Contents Insurance
The Council strongly advises all tenants to take out a contents insurance policy to cover your personal belongings.
West Lothian Council does not cover your home contents as part of the tenancy agreement. It's a good idea to consider what a home contents insurance policy would protect to help you make an informed decision on whether you need one.
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 should the worst happen.
We have teamed up with Thistle Tenant Risks, who provide specialist Tenants Contents Insurance policies. The scheme is a specialist insurance scheme provided by Thistle Tenant Risks, and all tenants living in social and affordable housing are eligible to apply.
The 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.
No excess (you don't pay the first part of the claim)
Covers theft, water damage, fire and many more household risks
Covers tenant's improvements (up to 20% of the sum insured)
Covers theft or attempted theft of contents in sheds, outbuildings and garages (up to £2,500)
Covers damage to external glazing for which you are responsible
Covers replacement and installation of locks for outside doors or windows and alarms, if keys are lost or stolen
You don't need to have a particular door or window lock (just a lockable front door)
Thistle Tenant Risks Contents Insurance has been designed to meet the demands and needs of social housing residents looking to purchase home contents insurance. Thistle has approached a single insurer, Royal & Sun Alliance plc. The cover is subject to the terms, conditions, limitations and exclusions contained in the policy booklet, which you should read carefully.
