Simple Home Contents Cover - insurance for tenants

If you live in social housing, we offer protection for belongings in your home, garage, or shed from theft or damage caused by something like a fire or flood.

Get a quote online

Or call our customer service team at URIS on:

0333 038 4156

9am - 5pm Monday to Friday.

Start a quote

Claims

Our claims provider URIS is here to help you on:

0333 038 4156

New claims can be made 24 hours a day, 7 days a week.

Existing claims can be discussed 9am - 5pm, Monday to Friday.

Make a claim

Home contents cover

Ecclesiastical provide the insurance for this policy and it is administered by URIS. This means that URIS are responsible for providing you with a quote, managing payments, and providing support when you need it, or helping you with a claim.

Here you'll find some key information about what is and isn't covered by our home contents policy. You can find more details about the cover, limits, conditions and exclusions in the documents below.

What’s covered:

  • Loss or damage to your contents by a range of events such as fire, theft, escape of water, storm and flood
  • Occupier’s and Personal liability up to £2,500,000
  • Valuables in the home up to £2,500 per item, up to a total of £5,000 or 40% of your sums insured, whichever is greater
  • Accidental breakage of mirrors, ceramic hobs in cookers or in work tops and fixed glass in furniture
  • Tenant liability cover
  • Contents in your outbuildings or garages

What’s not covered:

  • Wear and tear naturally happen over time and are not covered by most insurance policies
  • Mechanical breakdown of items over time
  • Faulty work by a tradesperson

Optional extras

  • Simple+ accidental damage is an optional cover you can choose to protect the contents in your home if you accidentally break or damage something.
  • Add portable items, hearing aids, bicycles, and wheelchairs to your policy.

No excess or admin fees

There’s no excess to pay on claims, and we don’t charge administration fees for changes or cancellations.

If you choose to change your cover, the price of your insurance may change. Full details are in your policy documents.

More information about the policy

You can find more details about the features, limits, conditions and exclusions in the documents listed below.

Simple Home Contents Insurance IPID (PDF)
1 April 2026
Simple Home Contents Insurance Policy Document (PDF)
1 April 2026

Need support on your call?

Relay UK helps people with hearing and speech difficulties communicate with anyone over the phone, using the national relay service. You can access this service via a textphone or the Relay UK app.

The app is free to download for use on your smartphone, tablet, or computer, but the cost of calls may vary, so please check with your network provider. When you next call us, just follow the steps below, and a text relay operator will join the call and either type or speak exactly what is being communicated.

Find out more about the Relay UK app

How to use Relay UK to contact us

All you need is either a textphone or the Relay UK app, and your call can be relayed through the service.

Dial 18001 followed by the phone number you want to call
You’ll see 'Relay UK ring ring' on your textphone screen. If your call is answered, you’ll see:

  • 'Relay UK Answered, please wait for connection'
  • 'Relay UK Waiting for a free relay assistant'
  • 'Connected to Relay, please wait'

The Relay Assistant won’t come on the call if it’s not answered.

Start your conversation
Once connected, you can type or speak your conversation. The Relay Assistant will type back anything the hearing person says

Enjoy your chat
The conversation will carry on this way until one of you ends the call.

Who will look after you

Explaining how the companies involved in this policy work together.

Simple Home Contents Insurance is underwritten by Ecclesiastical Insurance. URIS administers the policy, which means they manage customer service and claims on our behalf. When you call us, URIS will answer the phone, send out your documents, and handle any claims you make. Because URIS also collect payments, their name may appear on your bank statements or receipts alongside Ecclesiastical. URIS Group Ltd is authorised and regulated by the Financial Conduct Authority (FRN 307332).

Marsh Ltd introduces this insurance product to participating landlords and housing providers. Marsh Ltd is authorised and regulated by the Financial Conduct Authority (FRN 307511). You can check these details on the Financial Services Register.

For this policy, Marsh, URIS and the Northern Housing Consortium (representing participating landlords) receive commission from Ecclesiastical for their services in introducing or administering the insurance. This commission is calculated as a percentage of the premium you pay. No separate fees are charged to you for these services. If you would like more information about how these parties are paid, please contact us by email tenantadmin@urisgroup.co.uk or by phone 0333 038 4156 .

Complaints

If you’re unhappy with our products or the service you’ve received, please let us know as soon as possible so we can put things right.
You can raise a complaint with us at any time, either in writing or verbally. We’ll make the process as straightforward as possible and will support you if you need help making your complaint.

How to contact us
By email: tenantadmin@urisgroup.co.uk
By phone: 0333 038 4156

Our opening hours are: Monday to Friday, 9am to 5pm

If you are not satisfied with our response, we will inform you of your right to take the complaint to The Financial Ombudsman:

The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Tel: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
Web: www.financial-ombudsman.org.uk