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We don’t cover your personal belongings as part of your tenancy – so it’s important to think about how you’d replace them if they were damaged or stolen. 

Contents insurance helps protect the things that make your house a home – like furniture, carpets, clothes, electricals, and decorations. It also covers improvements you’ve made, such as flooring or a fitted kitchen. 

As a Thirteen customer, you can access low-cost insurance through two trusted providers: My Home Contents Insurance and Ecclesiastical Simple Home Contents.

Why contents insurance matters 

Even if you’re careful, accidents and unexpected events can happen. Contents insurance gives you peace of mind by covering: 

  • theft, fire, water damage and more 
  • items in sheds, garages and outbuildings 
  • external glazing and lock replacement 
  • improvements you’ve made to your home 
  • no excess – you won’t pay the first part of any claim 

You don’t need special locks – just a lockable front door. 

Choose your provider

My Home Contents

How to apply

Complete and submit the application form below and email myhome@
thistleinsurance.co.uk or call 0345 450 7288 to apply over the phone.

Reasons to choose My Home Contents Insurance scheme

  • apply over the telephone or complete an editable application form
  • apply for cover by visiting www.thistlemyhome.co.uk
  • no excess (you don’t pay the first part of the claim)
  • covers theft, water damage, fire and many more household risks
  • covers tenants' improvements (up to £2,000 or 20% of the sum insured, whichever is the greatest)
  • covers theft or attempted theft of contents in sheds, outbuildings and garages (up to £3,000)
  • 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, up to £500
  • you don’t need to have special door or window locks (just a lockable front door)
  • flexible regular pay-as-you-go payment options (fortnightly and monthly premiums include a transaction charge).

Who is this policy for?

Thistle Tenant Risks Contents Insurance has been designed to meet the demands and needs of social housing residents looking to buy home contents insurance and Thistle has approached a single insurer ERGO Speciality UK Ltd on behalf of Great Lakes Insurance UK Limited. The cover is subject to the terms, conditions, limitations and exclusions contained in the policy wording, which you should read carefully.

Read the policy wording. 

If you're unsure whether this insurance policy is right for you please contact Thistle Tenant Risks.

How do I get further information?

If you’d like to apply for home contents insurance, you can:

Before completing the application form, please review the Thistle Insurance Services Terms of Business Agreement and Insurance Product Information Document.

These documents give you important information on your rights and how we deal with you and your insurance and key information regarding the insurance cover. Please note that all Tenant Risks business is arranged on a non-advised basis. This means that you will be provided with the key information to be able to make an informed decision on which cover is appropriate for your needs.

Complaints process

It is always the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim, you should follow the procedure.

A copy of Thistle Insurance Services complaints procedure is available on request. For more information, please see the Thistle Insurance complaints webpage.

The National Housing Federation working in partnership with Thistle Insurance Services Ltd. Thistle Insurance Services Limited is authorised and regulated by the Financial Conduct Authority Firm Reference Number 310419.

Registered in England under No. 00338645. Registered office: Rossington’s Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. Thistle Insurance Services Ltd is part of the PIB Group.

Read the Data Protection Privacy Policy.

Complete the application formVisit Thistle Insurance's website

Ecclesiastical Simple Home Contents

As your housing provider, Thirteen insures the building and anything we provide. You're responsible for insuring your own belongings (your home contents), such as furniture, carpets and electrical items. 

Why might you want contents insurance?

If something unexpected happens (for example a leak, fire, theft or accidental damage), replacing your belongings can be expensive. Contents insurance can help you cover the cost of replacing your items.

We have access to a product that has been designed for tenants home contents insurance. This is provided by Ecclesiastical Insurance Office Plc (Ecclesiastical) and called - Simple Home Contents.

How to get a quote

You can find out more information about this insurance policy and get a quote online by visiting Tenants Home Contents Insurance.

If you’d prefer to speak to someone you can also call 0333 038 4156.

The cost of insurance depends on things like your post code, your circumstances and the level of cover you choose. 

Remember, this is optional and you can choose to use a different provider, or have no contents insurance at all.

To find out more, please visit Ecclesiastical's website.

For more details about what is covered, read the policy information document and the essential information document.

New provider 

If you had insurance arranged with this product before 01/06/2026, this will have been with Royal and Sun Alliance Limited (RSA).

From this date, all new and renewing policies will be Ecclesiastical. Their partner URIS run the servicing of the insurance, which means URIS will give you a quote, take your payments and support you if you have any questions or need to make a claim.

 

Get an online quote