In most cases, Trent & Dove Housing is responsible for buildings insurance for your home (this is NOT contents insurance).
If your mortgage lender offers you insurance, you should tell them that we insure the building on your behalf – this is one of our obligations under your lease. You will pay a share of the insurance cost through your service charges.
The policy taken out by Trent & Dove Housing insures the building up to the re- instatement value of your home. This means the cost of putting it back in its condition before the damage.
The contents of your home are NOT insured by us.
Neither are you are insured against any damage you may cause to someone elses property (third party liability damage). For example, if there is a leak from a pipe in your property that floods into your neighbour’s home.
Insurance cover - summary of key areas
Buildings and permanent structures are insured against damage caused by: fire; storm; flood; collision; malicious damage; subsidence; escape of water/frost damage; accidental breakage of glass, fixed sanitary ware or bathroom fittings. Full details of insurance cover are available on request.
General exclusions/limitations of cover
General wear and tear or damage occurring gradually are not covered. If your home is unoccupied for more than 90 days a number of restrictions and policy conditions will apply. If this happens or may do, please contact our leasehold team on 01283 528528 to let them know.
This is just a summary of cover and exclusions applying.
Making a claim
It is important that you contact the insurers as soon as possible in the event of a possible claim. Details of who to contact and how to claim are included in the annual insurance summary which is sent to you every year. You will be responsible for paying any excess under the policy.