Protect what matters

Insurance 11/02/2025

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Protect what matters to you with low-cost contents insurance

If there was a fire or flood in your home, or if you were burgled, would you be able to afford to repair or replace your treasured personal belongings? 

Nobody wants to have to think about these scenarios, but planning ahead and insuring your things means you don’t have to worry so much if the worst should ever happen. 

What type of insurance do I need? 

You need tenants’ contents insurance. And the good news is you don’t have to go shopping around for an insurance provider because we’ve teamed up with Royal & Sun Alliance (RSA) to provide a low-cost contents insurance package just for you. 

What do you mean by ‘low cost?’ 

Prices start from as little as 45p per week, £1.47 per month or a single up-front payment of £15.65 for 12 months of cover.* 

*Prices shown are for £4,000 of contents insurance cover, based on postcode area and include a transaction fee. They exclude accidental damage and optional covers. The price you pay will depend on your individual circumstances, postcode and cover chosen. 

RSA price data June 2023. 

What does the insurance cover? 

RSA’s tenants’ contents insurance financially protects the contents that are in your home, garage and shed, including your mobile, TV, games consoles, furniture, clothing and jewellery. 

You can claim compensation to cover the cost of repairing or replacing your items. RSA’s policy also covers any home improvements, for instance, new bedroom carpet or a new fitted kitchen. 

What about paying for my insurance? How does that work? 

One of the great things about RSA’s insurance, is that you can pay weekly, fortnightly, monthly or annually. There are no nasty surprises either, such as excess on claims or fees for changing your details or cancelling your policy. 

Want to find out more? Visit: https://www.midlandheart.org.uk/my-home/keeping-my-home-safe/home-contents-insurance/