Low-cost insurance schemes in Scottish social housing: an empirical study of availability and tenants' participation

John Hood, William Stein, Claire McCann

Research output: Contribution to journalArticle


The UK has had a long history of market provision of household insurance. Recent years, however, have seen a decline in the traditional insurance market distribution channels aimed at low-income and/or rented-sector households. The products, pricing and method of payment currently offered by insurers have exacerbated the exclusion of many in social housing from this important financial services product. Research suggests that only 50 per cent of people living in rented or local authority housing insure their contents, compared with 93 per cent of homeowners. The aim of this paper is to evaluate the degree to which tenants in public-sector housing participate in low-cost household insurance schemes promoted by their landlord and to assess the reasons behind this level of participation.

Original languageEnglish
Pages (from-to)1807-1827
Number of pages21
JournalUrban Studies
Issue number9
Publication statusPublished - 1 Aug 2009



  • insurance schemes
  • Scotland
  • social housing

Cite this