It is important to have insurance, to protect against potential risks and damage.
There are two types of insurance:

Buildings insurance

This covers the buildings and 'fixtures'.

We are responsible for insuring the building against certain potential risks, such as fire, explosion, lightning, smoke damage, water damage, falling trees or branches, etc.

If the building needs rebuilding, our insurance would help us to rebuild it.

The buildings insurance also covers 'fixtures' we have installed and secured to the structure of the building, such as kitchen units and bathroom suites.

If you are a leaseholder, or shared owner, you will be paying Paradigm Housing Group for your share of the buildings insurance premium. If you would like a summary of this insurance cover, please contact our Customer Services team on 0300 303 1010.

Contents insurance

This generally insures your home contents such as your clothes, furniture, carpets, television etc.

From 1 August 2015, all Paradigm tenants are covered by Paradigm's Home Contents Insurance policy up to a maximum of £10,000 per property. Paradigm meets the full cost of this service, meaning that it is essentially provided free of charge to tenants for the duration of the 2015-2016 policy period.

All tenants were contacted in August 2015 with details of the policy, including the limit, excess and terms and conditions.

Please note, there is NO COVER for accidental cover for home entertainment equipment - for more details on what is covered, please read the home contents insurance - key facts, and for a full description of what is covered, please refer to the policy wording. A copy of the policy schedule is available here.

Alternatively, if you would like to be sent this information again, require further information about the policy, or would like to opt out of it, please contact our Customer Services Team on 0300 303 1010.