Ultra Home Insurance

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


Ultra Home provides high quality home insurance cover for individuals with high value home and contents. With high single article limits this policy is ideal for the owners of fine art, antiques, jewellery or watches.

Since we know that you care about your possessions and do all you can to protect them as a matter of course, this policy is less restrictive to suit your busy lifestyle.

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

With all the benefits of Prestige Home, like:

  • Outstanding UK based claims service with your own dedicated handler
  • Family legal service and legal expenses cover up to £100,000
  • Unlimited cover for damage caused by pets (up to sum insured)
  • Unlimited cover for pedal cycles (up to sum insured)
  • ID fraud detection & assistance


  • Fewer security restrictions
  • No need to list items of jewellery or watches under £10,000, or fine art, antiques & collectables under £25,000
  • Property owner's and personal liability cover both £10,000,000
  • Alternative accommodation up to 2 years
  • Guests’ personal effects up to £10,000
  • Business property up to £20,000
  • 24 hour home emergency cover up to £1,000

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

Compare Ultra Home to our other home insurance policies

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Policy Documents - current wordings
Product Download link
Ultra Home IPID (Insurance Product Information Document) Download
Ultra Home Policy Wording 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