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Naturally, you want to be sure that the things most precious to you are in the safest possible hands. Insure your home, contents and fine art with Home & Legacy and you can rest assured that you and your family's most valued possessions are truly safe and sound.
We can handle risks up to £50,000,000 at any one location, covering buildings, contents, fine art, antiques and personal possessions.
The minimum sum insured for A) Buildings is £100,000. The sum insured should relate to the rebuilding cost of your property, not the market value.
The minimum sum insured for the combined total of the remaining contents sections, (i.e. contents, fine art & antiques, gold and silver items added together) is £50,000.
Cover for second homes with sums insured lower than the above limits can be provided when insured in conjunction with the main property.
- Physical Loss or Damage cover (including accidental loss or damage) on Contents, Fine Art and Personal Possessions
- Buildings cover includes Accidental Damage
- Worldwide cover for Fine Art including depreciation in value following damage as well and a single article limit of £25,000 means fewer items need to be specified
- The policy is free from warranties and there is no average clause
- Worldwide cover for Personal Possessions without any time limit and with a high single article limit of £10,000 the policy is easy to use
- Trace and Access of leaking pipes covered up to £15,000
- Guests Effects covered up to £5,000
- Unlimited Frozen Food cover
- Students Possessions included up to £10,000
- Cover for home business equipment up to £15,000
- Family Legal expenses cover automatically included up to £100,000
- Emergency Property Assistance included automatically
- Identity Theft resolution service and insurance cover included up to £50,000
- Weekend and holiday homes, pieds a terre can all be added to the same policy
- Interest Free Direct Debit payment option
- A Risk Appraisal Service is included
The above applies to policies dated 1st July 2008 onwards
More information on the Features of Portfolio Plus and the main Exclusions and Limitations can be found on the following pages which can be accessed from the menu on the left hand side of this page.
Claims are managed by Home and Legacy on your behalf to ensure a prompt resolution. No deductions will be made for wear and tear, even on clothing. Click here to access our claims information page.
If you need a quotation you can call us on 0844 893 8370 or follow the Request a Quote link.
Click here for our Contact Details.
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