Insurance details for leaseholders

As your freeholder, we insure the structure of your home against damage caused by:

  • fire
  • flood
  • water damage
  • earthquake
  • subsidence
  • accidental damage.

Our insurance also covers the full reinstatement cost of damage to anything that is fixed within the property, for example:

  • fitted cupboards
  • sanitary ware
  • laminate or hard-wood flooring.

We do not insure any of the removable items within your home. For example, your furniture, your personal belongings and your carpets.

We strongly recommend that you take out home contents insurance to cover your personal belongings.

How to make an insurance claim

Our properties are insured with Zurich Municipal. Their telephone claims line is open 24 hours a day and they deal directly with all property claims.

To contact Zurich Municipal, please phone 0870 241 8050.

When you contact Zurich Municipal, please give:

  • Your name
  • Your address
  • The policy number: JHA-22$126-0013.

You will be making your claim under Schedule 12 of the policy.

You are responsible for paying the excess on any policy claims. For most claims the excess is £50. For claims due to water damage, the excess is £100.

Repairing damage to your home

Zurich can offer you the services of a pre-approved contractor to carry out the repair work to your home.

If you would prefer to use your own contractor, you can. You will need to provide Zurich with two independent quotes before starting the work.

For more information

If you need more information about our insurance with Zurich Municipal, please fill out our contact form or phone us on 0300 373 3000.