Housing
Insurance for leaseholders
Information on buildings and content insurance for leaseholders and how to make a claim.
Leaseholder buildings insurance
As the freeholder, we are responsible for insuring the buildings of all leaseholders’ demised premises as set out in the terms of the lease. We will recharge you your share of the cost as with other service charges.
The leaseholder building insurance policy covers the cost of reinstating your leasehold property following loss or damage which occurs suddenly such as fire or storm, etc. The reinstatement value of your flat includes permanent fixtures and fittings like kitchens, bathrooms and fixed permanent flooring.
The leaseholder building insurance policy does not provide cover for day-to-day maintenance and repairs which occurs over a period of time. You must notify us immediately if the property becomes vacant for more than 30 days.
Leasehold properties are insured with:
- Protector Insurance – policy number 2892761
- Policy period is from 1 July 2025 to 30 June 2026
For full details of what the policy covers, excludes and other information such as excess amounts email insurance@eppingforestdc.gov.uk.
How to make a claim
You must notify Protector Insurance as soon as possible. Full details must be provided within 30 days of the claim including supporting evidence in writing and photos of damage. In the event of theft or malicious damage, the police must be notified as soon as possible. Protector Insurance will require the crime reference number.
- Call 0161 274 9077 – this line is operated 24/7 and also provides out-of-hours assistance
- Email claims@protectorinsurance.co.uk
- Submit a claim on the Protector Insurance website
Make sure you give the full postal address and use policy number 2892761 when notifying claims direct to Protector Insurance.
You will need to provide all the necessary information:
- Date of loss
- Cause of the damage
- Has the cause been rectified – for example, if there is an escape or water or water ingress, has the water leak been stopped?
- Is the property secure?
- Description of damages
- How many rooms have been affected?
- Areas of damage – such as walls, ceilings, décor or flooring
- Photos of damage where possible
- Is the property suitable for use?
- Are there any losses in respect of rent or alternative accommodation to be considered?
- Are there any third parties responsible for the damage? Insurers will require their details to investigate a potential recovery
- Any crime reference or emergency service details to be provided where applicable?
- Leaseholder to provide all relevant contact details from day one for ongoing communications with insurers. This includes managing agents, if applicable
- Is the property sublet?
Home contents insurance
Our building insurance policy does not insure your personal possessions or contents such as carpets, curtains or furniture. We are not responsible for loss or damage to your home contents.
We strongly recommend that you take out contents insurance to protect you in the unfortunate circumstances of you suffering loss or damage.