WATMOS is insured for all our buildings including all leasehold homes as part of a block policy.

The WATMOS buildings insurance does not include your contents or fixtures and fittings. You need to arrange your own contents insurance for your possessions inside your home.

We strongly advise all of our customers to take out household contents insurance. You can do this either through the scheme arranged by us, or by making your own private arrangements.


Premiums are payable weekly from just .60p per week.
The cost of replacing your belongings can add up, so be smart and think about how insurance could benefit you if the unexpected happens.

What the insurance scheme offers:

  • you can pay weekly
  • friendly claims service
  • no excess (nothing to pay) when you make a claim
  • contents replaced as new for old (some limitations may apply)
  • cover for rented goods
  • accidental damage cover.
  • Insurance cover is provided by Aviva and 0.60p per week is based on standard cover for £5,000 sum insured. This quote is subject to eligibility criteria. Premiums quoted
  • include insurance premium tax (IPT) at the appropriate rate.

How do I apply?

Complete the form which is available from your local TMO office, or to download here  whg Home Contents Insurance 2021.pdf  326KB