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Questions about home insurance
The buildings sum insured should cover the total cost to rebuild the property in the event of a total loss. It is not should not reflect the market value.
The rebuild cost must include the full cost of rebuilding the structure of the main home, all it's fixtures and fittings, all outbuildings used for domestic purposes (sheds, garages, greenhouses or similar), all boundary walls, drives, patios etc and any other structural items such as swimming pools. It must also include the cost of removal of rubble and debris, professional fees such as surveyors and architects, as well as all building materials and labour costs.
For larger properties, Listed buildings or those of unusual construction, it may be advisable to seek professional advice from a building surveyor.
If the contents include a number of fine art or antiques or items of Jewellery and Watches, it is advisable to use the services of a professional valuer. Home & Legacy can recommend an appropriate expert.
In each section of our policy we describe how we pay claims depending on the type of claim and the property or item which has been damaged or lost. Please see 'How claims are paid' in your policy wording. If you are unsure, you may contact us or your insurance broker for further information.
Questions about landlord insurance
Questions about travel insurance
Any pre-existing medical conditions are automatically excluded under our travel policy.
However, some conditions may be accepted following medical screening completed by the policyholder and the payment of any additional premium requested.
Questions from existing policyholders
Questions from brokers
We may require a risk management survey/appraisal for some properties, usually those of higher value or non-standard construction. We only use independent professional property surveyors.
The surveyor will complete an external survey of the property (including the main home, outbuildings and any other structures). An internal survey in the home will also be carried out in the presence of the policyholder.