You are here: Home > Home Insurance > High Net Worth Home Insurance > Classic Home Insurance > Home & Legacy Principal


Home & Legacy Principal Home Insurance

Versatile Buildings & Contents Insurance designed exclusively for owners of high value homes and possessions

The home & legacy principal home insurance policy provides superior quality cover and service which is tailored to suit your individual needs.

If you would like to discuss your requirements then please give us a call or request a callback.


Principal Buildings Insurance

Home & Legacy Principal Home Insurance provides first class buildings cover for properties and includes cover for swimming pools, garages, stables and all domestic outbuildings.

Minimum £100,000 buildings sum insured

Up to 15% sum insured for alternative accommodation

Accidental damages are covered as standard

Up to £5,000 towards the cost of finding the source of an oil or water leak from the home's heating, water or gas system

Up to £1,000 loss of oil or metered water

Up to £2,500 emergency access to your home

Up to 15% of the buildings sum insured for alternative accommodation and loss of rent

Principal Contents and Valuables

The home & legacy principal policy comes with accidental loss or damage as standard and also includes:

Minimum contents insurance of £40,000

Up to 15% of the sum insured for new acquisitions

No need to specify fine art and antiques up to a value of £5,000

No need to specify jewellery, watches and guns up to a value of £2,500

Up to 10% of the sum insured up to 60 days for new acquisitions and gifts

Temporary removal of items

Employers Liability - up to £10m

Up to £1,000 replacement of locks and keys

Optional covers include:

Up to £3,500 for students possessions whilst away at university, college or school

Up to £5,000 for business property whilst in the home



Who is it for?

What is covered?

Why you need it?

Owners of higher value homes and possessions, covering:
  • Prized collections of antiques
  • Fine art
  • High end electronic equipment
  • Expensive jewellery
  • Swimming pools
  • Stables
  • Second homes

The buildings structure and contents of your home including:
  • Up to £2m property owners liability
  • Loss or damage to permanent outdoor items
  • Fine art and antiques, single article limit of £5,000
  • Jewellery, watches and guns, single article limit of £2,500
  • Up to 15% of the sum insured for new acquisitions
  • Up to £10m employers liability

To protect You, Your home and contents from:
  • Theft by Third Parties
  • Fire and Water Damage
  • Malicious and Accidental Damage
  • Public Liability Claims
  • Cover you for Legal Expenses
  • Enable you to pay any damages you may be liable for

Additional Benefits Include

Principal Insurance


  • 24 hour 365 days a year home emergency as standard
  • Up to £100,000 family legal protection
  • Identity theft up to £50,000
  • Accidental damage included as standard for buildings and contents

An exclusive range of versatile home insurance designed for owners of higher value homes and contents from £40,000.

Portfolios of properties can be insured & managed. Very high specified single item limits of £2,500 for valuables & £5,000 for art, antiques.

Other Information

We do need to know if your home will be unoccupied for more than 45 continuous days and cover will exclude damage from escape of water and oil, theft and malicious damage unless we agree otherwise.

If you have anymore questions about the home & legacy prinicpal home insurance, please call us on 0207 112 8940