Ultimate Home Insurance

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

Ultimate Home is designed for customers who require the very highest level of home insurance cover.

We are proud to say that Ultimate Home is among the very best home insurance policies on the market.

Online quotes for Ultimate Home can not be provided. To speak to an advisor please call 0330 102 1863, or

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Ultimate Home gives you all risks buildings & contents cover and automatic worldwide protection for possessions

With all the benefits of Ultra Home, like:

  • Outstanding UK based claims service with your own dedicated handler
  • Family legal service and legal expenses up to £100,000
  • Unlimited cover for damage caused by pets
  • Unlimited cover for pedal cycles
  • ID fraud detection & assistance
  • 24 hour home emergency cover up to £1,000


  • No need to list single items under the value of £25,000
  • Alternative accommodation up to 5 years
  • Guaranteed rebuilding cost extension available
  • Hired in equipment (e.g. marquees) cover up to £50,000
  • Unlimited cover for guests' personal effects
  • Cover for new acquisitions (up to 25% of the sum insured) for up to 90 days
  • Small craft cover up to £5,000
  • Trailers and horseboxes covered within contents
  • Unfixed building materials within the boundaries of the home £100,000

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

Compare Ultimate Home to our other home insurance policies

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Downloads - current wordings
Product Download link
Ultimate Home Policy Wording Download
Ultimate Home IPID (Insurance Product Information Document) Download

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