Home

Insuring your home

Your home and possessions are valuable, so it’s important to protect and insure them. Here’s all the information you need to get the right policies in place and make claims for any accidents in your home. 

Buildings insurance

Where Moat is the freeholder, we take out buildings insurance for the building you live in. This covers the costs of major damage to the structure of your building. This includes external walls, the roof and communal areas, and provides cover for events such as fires, storms, floods, leaks or subsidence. Buildings insurance does not cover general repairs and maintenance.

The cost of your buildings insurance is based on the rebuild value of your home and is paid through your service charges. Insurance premiums can vary from year to year. You will be notified of any changes in premiums and can also request details of insurance costs by contacting [email protected].

You can view a copy of the Summary of Cover which explains the policy and other information to help you to understand what is and isn’t covered. Full terms and conditions are available on request.

In some cases, leaseholders may have a contractual obligation to insure the building they live in. You should check your lease and ask your solicitor to confirm your lease conditions and responsibilities for insurance, repairs, maintenance and charges before you purchase your home.

Making a claim
Contents insurance

Whether you’re a tenant, shared owner or leaseholder, it’s important to insure your home contents, as we do not cover this on your behalf.

When we say ‘contents’, we mean your belongings. This is essentially everything that could be put in a removals van if you were to move house, including things like white goods, electronic devices, televisions, curtains and even the food in your freezer! To replace these items if there was unfortunately a washing machine flood, fire or a break in, for example, could get expensive. Therefore, we recommend taking out home contents insurance with a reputable company. You are free to choose your own insurance provider and select the level of cover you’d like. 

Click here for more information on home contents insurance.

Spilt Tea For Insurance Page
The Royal Sun Alliance insurance company

We do have a partnership with the Royal Sun Alliance insurance company open to our tenants and shared owners. Cover with the Royal Sun Alliance insurance company includes:

  • No excess payable on any claim and no fees for changing your details or cancelling your policy.
  • Flexible payment options – weekly, fortnightly, monthly or annually.
  • Protects the contents in your home, garage and shed.
  • An option to upgrade the standard cover for the following: Full accidental damage cover on household contents and personal belongings away from the home, such as wheelchairs, hearing aids and bicycles.
Insurance Page

How to apply

If you would like to apply, you can do so by: 

Please note this insurance is arranged between the customer and the Royal Sun Alliance insurance company independently of Moat.

*This document was added to the website on 8 August 2024, and prices included were correct at this time. Always check with the Royal Sun Alliance insurance company that these prices are still accurate.

How to make a claim

You can make a claim to the Royal Sun Alliance insurance company by calling them on 0345 671 8171 or submitting your claim online here.

 

*Royal & Sun Alliance Ltd (No. 93792). Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority