Customers' home contents insurance

Updated: 22 January 2025

Are your belongings covered?

We advise all tenants to have their own contents insurance.

While Torus cover your building insurance, your personal belongings need to be covered by contents insurance. It is your responsibility to pay for your own home contents insurance and to insure your own personal belongings.

You never expect things to go wrong at home, but it could happen, ruining or destroying the things you love and need.

Contents insurance financially protects the contents in your home, garage, and shed – such as your clothes, furniture, TV, kitchen appliances, gadgets, and garden tools. 

From the jewellery and clothes you wear to the sofas you sit on, contents insurance covers the lot.

Contents insurance covers your possessions against fire, theft, flooding or accidental damage so if the worst happens, you could claim on your insurance, and if covered, this would pay to repair or replace your contents.

Insurance from RSA

We’ve worked with RSA to make sure their insurance could be suited to your needs. For starters, RSA tries to make prices as affordable as possible by starting with £4,000 as the minimum amount of cover for tenants who don’t own a lot of contents.

• Prices start from as little as 45p per week, £1.47 per month, or a single upfront payment of £15.65 for 12 months of cover.*
• Change your details whenever you need to with no amendment fee
• Pay weekly, fortnightly, monthly, or in one upfront payment until your yearly review date – whatever suits you best.
• No nasty surprises – no excess on claims and no fees for changing your details or cancelling your policy.

By insuring with RSA, you’ll be joining over 25,000 tenants and leaseholders who have chosen them for their contents insurance**.

*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.

**Number of customers with an active tenants contents insurance policy – April 2023.

• RSA Simple Home Contents Insurance Policy Wording
• RSA Home Contents Insurance Product Information Document
• RSA Essential Information Document

Apply for contents insurance today

Please note, we are not endorsing the RSA policies over other insurance providers. It is important that you do your own research and find the best policy for you and your circumstances. You can also visit the Money Saving Expert website to find out more about contents insurance and getting the best deal.

Make sure you’re covered. Get contents insurance.