When you've achieved a high-value home & contents, you'll need a hardworking home insurance policy with generous sums insured, fewer restrictions and a wealth of additional benefits. Home & Legacy offers various tiers of cover, all starting at an exceptionally high level and all ideal if you need specialist cover for fine art, antiques, collectables, jewellery and watches.

Compare our home insurance policies



Prestige Home

When standard home insurance is simply not enough

For those with home contents worth more than £75,000

  • All risks, automatic worldwide cover
  • Option to remove security conditions
  • Unlimited pet damage cover, unlimited pedal cycles cover

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Ultra Home

Excellent, inclusive cover that fits with your lifestyle

For those with home contents worth more than £150,000

  • All risks, worldwide cover with minimal constraints
  • No onerous security conditions, or maximum sums insured limits
  • Business property up to £20,000

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Ultimate Home

Exceptionally inclusive, top rated cover

For those with home contents worth more than £250,000

  • No need to list items worth under £25,000
  • Unlimited cover for guests' personal effects
  • New acquisitions cover up to 90 days

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Image of a wicker chaise longue to represent an overseas home

Overseas Home

Cover for your overseas home & contents

Dovetails with a Home & Legacy household policy, for those who have a home overseas 

  • Documentation in English. Outstanding UK based claims service
  • Premium includes all relevant local insurance taxes
  • Emergency travel costs up to £1,500 if your overseas home suffers damage

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If you have any comments or issues you wish to discuss, please contact our Customer Services Team Leader, Adrian Jackson, on 0208 607 2415 or by email: adrian.jackson@homeandlegacy.co.uk