Principal Home Insurance

For those who need more than standard home insurance cover

Principal Home is Home & Legacy's only home insurance policy that you can buy online. It's ideal for those living in high value properties with contents such as expensive jewellery, art or antiques who want easy to access all risks worldwide cover.

Principal Home gives you excellent benefits as standard, like 24 hour home emergency cover, family legal service and ID fraud protection & assistance. And if you do need to make a claim, you'll have access to an exceptional claims service with your own dedicated handler from notification to settlement.

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Principal Home gives you all risks buildings & contents cover and automatic worldwide protection for possessions, plus

  • Outstanding UK based claims service with your own dedicated handler
  • No need to list items of jewellery or watches under £3,500, or fine art, antiques & collectables under £15,000
  • 24 hour home emergency cover up to £500
  • Family legal service and legal expenses cover up to £100,000
  • Property owner's and personal liability cover both £2,000,000
  • Unlimited cover for damage caused by pets (up to sum insured)
  • Unlimited cover for pedal cycles (up to sum insured)
  • Alternative accommodation cover included as standard
  • ID fraud detection and assistance with Experian

As with all insurance policies, Principal Home is subject to terms & conditions fully detailed in the policy wording.

Compare Principal Home to our other home insurance policies


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Downloads - current wordings
Product Download link
Principal Home Policy Wording Download
Principal Home Product Information Download

Existing customers, please note: Your policy wording is tailored to you, please refer to the policy documents issued to you when your policy incepted.

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: