The council insures your home (the building) and any fixtures and fittings in it which belong to us.  However, many customers believe that Harrogate Borough Council automatically insures their furniture, belongings and decorations against fire, theft, vandalism or water damage, such as burst pipes, but this isn't the case.

Unfortunately, some people only realise this after the damage has been done.

We've now negotiated a new scheme with lower premiums and improved cover which is available to all our tenants and leaseholders. The scheme is called the Crystal Insurance Scheme and includes the following benefits:

  • flexible, regular and ‘pay as you go’ payment options
  • no excess to pay in the event of a claim
  • no minimum security requirements
  • optional extensions in cover available for an additional premium

This is a voluntary scheme and you're free to make your own arrangements if you choose. If you don't take out insurance you'll be responsible for the costs of the repair or replacement of any of the contents of your home that are not the landlord's responsibility. This includes accidental damage to fixtures and fittings and the cost of replacement keys.

For more information on the Crystal Insurance Scheme please ask your housing officer for an application pack, visit or ring Crystal Insurance on 0345 450 7286

Page last updated 12/07/2018