Council home insurance

There are 2 types of insurance that you may need for your council home:

buildings insurance - to protect the premise
contents insurance - to protect your belongings

Buildings insurance for tenanted properties

Tenants are not required to arrange buildings insurance for their council home. As we have a building insurance policy for tenanted properties.

You may want to take out contents insurance to protect your belongings.

Buildings insurance for leaseholders

We are responsible for the leaseholder buildings insurance. We use a company called Protector, and our policy number is 3145772.

You may want to take out contents insurance to protect your belongings.

How to make a leasehold buildings insurance claim

If you need to make a buildings insurance claim for damage to your leasehold premises. You can:

call the dedicated claims line on 0161 274 9077
email claims@protectorinsurance.co.uk
visit the insurer's website at protectorinsurance.co.uk

There is a £100 excess on each claim, except for subsidence claims, as detailed in the leaseholder policy documentation.

You can view or download our:

Key Information for leaseholders document

pdf , 88.73 KB

Leasehold summary of cover document

pdf , 274.96 KB

If your leasehold property is empty for more than 30 days

Your insurance cover will be affected if your leasehold property is empty for more than 30 days at a time. For example, you will not be covered for malicious damage, escape of water or theft while your property is empty.

If your property will be empty for an extended time, let us know by:

email at bcphomes@bcpcouncil.gov.uk
telephone on 0800 028 1870

You should also make arrangements for someone to regularly check on your property whilst it is unoccupied.

Contents insurance for both tenants and leaseholders

You are responsible for finding, buying, and renewing your own contents insurance to cover your personal belongings.

Contents insurance helps pay to replace or repair your personal belongings if they're stolen or damaged and the policy can include cover for personal liability claims as well. There are different levels of cover that you can purchase.