Insuring your home
What homeowners in England need to know about insuring your home, and making a claim
If you are a homeowner in England our FAQs will help you understand your buildings insurance and what to do if you need to make a claim.
Who is responsible for buildings insurance?
In most cases where Home Group is the freeholder of your building, we are required under the terms of the lease to provide buildings insurance cover on your behalf. We have a bulk insurance policy which covers all leasehold and shared ownership properties where we are the freeholder. The cost of this is recovered through your service charge. However if there is a managing agent for your property they may provide the insurance cover.
I need to make a claim on the buildings insurance. What should I do?
Our buildings insurance is with Zurich Municipal.
The policy number is JHA-22S677-0013.
To make a claim:
Visit the Property Claims Portal
In an emergency contact the 24 hour repairs service on 0800 0280336.
If you are not sure who provides the insurance cover for your property, or you would like a claim form or a copy of the summary of cover, please contact us on 0345 141 4663 during office hours or email email@example.com
Will I have to pay an excess if I claim on the buildings insurance?
Yes, an excess of £100 applies which all leaseholders have to pay for each and every claim they submit, this increases to £350 for the escape of water and £1,000 for subsidence related claims.
Do I need to arrange home contents insurance?
The buildings insurance we arrange does not include the contents of your home and you are responsible for arranging your own contents insurance.
If you plan to be away from your property for more than 60 days
If your property will be left unoccupied for more than 60 days, the excess you will need to pay for malicious damage, storm, flood, escape of water and other damage will increase to £500.
If the property remains unoccupied for a further 60 days then cover will be reduced and will completely exclude:
- Malicious damage
- Escape of water
- All other damage
It will be limited to cover for:
- Lightning strike
- Aircraft impact
What you need to do if you are leaving your property unoccupied
Where your property is unoccupied, you or somebody authorised by you will need to take reasonable precautions to safeguard it. You will need to:
1) Switch off the mains water supply services and drain the water system other than:
- The mains services which are needed to maintain any sprinkler systems in full working order or to keep the property in a marketable condition for sale/lease and in these circumstances the heating must be maintained at a minimum temperature of 5 degrees Centigrade. The heating only needs to be kept on between the months of October and May.
2) Ensure a competent and qualified professional caps the Electric and Gas supply other than:
- The circuit(s) of the electricity supply which is/are needed to maintain any fire or intruder alarm system in operation
3) Thoroughly inspect the building both internally and externally at least every 14 days and
- Record the inspections
- Rectify all defects in maintenance and security immediately
- Remove accumulations of combustible material such as junk mail, in and around the property during the inspection
4) Secure all window and door locks
5) Seal all letter boxes to prevent insertion of any materials or liquids. This is only applicable where the letter box is on the outside of the property. Not into a contained communal corridor.
6) Assess the building and appropriately secure it against third party entry
7) Remove any valuables that may be visible
- Homeowners home
- Make a payment
- Buying more shares in your home
- Selling your shared ownership home
- Selling back shares in your home
- Selling your discount for sale home
- Documents required when selling your home
- Leasehold retirement information
- Homeowner service charges
- Insuring your home
- EWS1 form
- Anti-social behaviour
- Repairs information for homeowners