5 reasons to be thankful for high quality household insurance at Christmas

Posted on: 16 December 2016

Image of a Christmas present

The festive season is a great opportunity for household insurance providers like Home & Legacy to remind policyholders why high quality household cover can be worth its weight in gold. There really is no time like the present to talk to your provider to make sure your household insurance is suitable for your home, possessions and your busy lifestyle. With that in mind, we’ve wrapped up 5 good reasons why high net worth household insurance can turn out to be a gift at Christmas…

New acquisitions

When giving and receiving valuable gifts on Christmas day, not many people are thinking about whether or not the gift is insured. So it’s reassuring to know, if a newly acquired item did get lost, damaged or stolen before being listed on your policy, the costs needn’t snowball, it’s covered.

Guests’ personal effects

You and your visitors can have extra peace of mind at Christmas; even the guests’ personal effects are covered in the home on a policy with all the trimmings.

Food in freezers and fridges

A fridge/ freezer failure at Christmas will always be dispiriting, especially if festive food is lost. However, at least it’s a small comfort if the expense of the spoilt food can be reclaimed. All the more reason for stocking up.

Hired in equipment

Hired equipment like marquees, are even covered as part of the package on the very top-end of high net worth policies. If you host a large New Year party at your home and are legally responsible for hired in equipment, it’s good to know it’s covered on a policy like Home & Legacy’s Ultimate Home.


At this time of year, householders are likely to have more cash at home than usual. So it’s reassuring to know money is covered– up to as much as £5,000 on an ultra-high net worth policy, like Home & Legacy’s Ultra Home and Ultimate Home.



It’s reassuring to know that in addition to exceptional cover for Buildings and Contents, you will benefit from a host of additional covers, because at Home & Legacy, we know the proof of the pudding is really what matters.

At Home & Legacy it is our New Year’s resolution to continue making it easy to access policies that suit a busy, wealthy lifestyle.


Terms, conditions and limits apply. Please refer to the relevant policy wording for the full details.