Building Insurance
Love Living Homes is the trading arm of Town & Country Housing.
While you arrange your own contents insurance, Town & Country Housing is responsible for taking out the building insurance for leasehold and shared ownership properties (unless TCH is not the freeholder).
This makes sure that yours and our investment in your home is secure and that you have enough insurance cover to repair, or even rebuild, your home should something happen to it.
As a general rule TCH insures leasehold and shared ownership properties (unless TCH is not the freeholder). As a Shared Owner/Leaseholder, your insurance is covered in your service charge.
Policy Details
| Policy Details | |
|---|---|
| Schedule Policy Number | JHA-22S529-0013 |
| Policy Holder | Town And Country Housing And/Or Associated Companies And Subsidiaries |
| Period of Insurance | 30 July 2026 to 29 July 2027 |
| Insured Premises | Housing Properties - leasehold/shared ownership |
| Insured Perils | Fire, lightning, explosion and aircraft, riot and malicious persons, earthquake, subterranean fire, storm or flood, escape of water from any tank, apparatus or pipe, impact by any road vehicle or animal, breakage or collapse of audio or visual communication apparatus, accidental breakage of fixed glass and fixed sanitaryware, accidental damage to supply pipes and cables, falling trees or branches, leakage of oil, theft or attempted theft, subsidence, ground heave or landslip, all other damage (except where excluded) |
| Sum Insured | The reinstatement value of your building |
| Excess | £350 excess in respect of each and every loss increasing to £500 for escape of water from any tank, apparatus or pipe and £1,000 for subsidence |
| Legal Liability of Policyholder | Included |
| Terrorism | Included |
How do I make a claim?
If you need to make a claim, please go directly to the insurance company.
W: https://propertyclaims.zurich.co.uk/link/portal/publicsector
T: 0800 028 0336
E: farnboroughpropertyclaims@uk.zurich.com
For more information about making a property claim and to see their claims guides, please visit www.zurich.co.uk/municipal/make-a-claim/property-insurance-claim
During your claim they may ask you for some or all of the following (Please have these available as you cannot save and return to your claim later once it has started):
- Your policy number (as above)
- The full address of the affected property
- A description of what happened
- A list of damaged items and the cost of them when new
- A crime reference number for theft and malicious damage claims
- Any supporting documentation you have available
If you cannot answer a question or an available option does not exactly fit your circumstances, please select or input the closest option to the best of your knowledge and there will be an opportunity to provide further detail in the free text box at the end of the application form.
Managing Insurance Claims
We arrange the buildings insurance policy for shared ownership homes, but homeowners are responsible for making and managing any claims under the policy.
While we arrange and maintain the buildings insurance on behalf of shared owners, homeowners are responsible for managing their claim throughout the process.
This includes reporting the incident promptly, supplying any requested evidence or documentation, arranging access for inspections where necessary, and liaising with loss adjusters, contractors and the insurer as required. The progress and management of the claim remain the responsibility of the homeowner.
Please note that any policy excess applicable to a claim is payable by the homeowner in accordance with the terms of the lease and insurance policy.
Contents Insurance
While we arrange the buildings insurance for your home, this does not cover your personal belongings. We strongly recommend that you arrange your own contents insurance to protect items such as furniture, carpets, electrical goods, clothing, jewellery and other personal possessions.
Contents insurance can also provide cover for accidental damage, theft, loss of personal belongings and other unexpected events, depending on the policy you choose. As every household's needs are different, it is your responsibility to select and maintain a contents insurance policy that provides the level of cover you require.