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Home & Legacy Ultra Home Insurance

Versatile Buildings & Contents Insurance designed exclusively for affluent high net worth individuals

The home and legacy ultra home insurance provides superior 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.


Ultra Buildings

The home & legacy home insurance provides all risks buildings for prestigious properties and includes cover for swimming pools, garages, stables and all domestic outbuildings. Additional domestic homes in the United Kingdom can be included in the same policy.

Free appraisal for properties with a building sum insured over £1,000,000

Up to £10,000 trespass protection

Trace and access of leaks - unlimited in the home and up to £15,000 outside the home

Alternative accommodation - unlimited for up to 2 years

Up to £50,000 towards the cost of essential alterations to your home as a result of permanent physical disability of any member of your family

Property owner's liability/defective premises up to £5,000,000

Ultra Contents and Valuables

The home & legacy comes with worldwide all risks cover including accidental loss or damage including:

Free appraisal for contents sum insured over £250,000

Loss of metered water/oil - up to 20% of the sum insured

Relatives possessions whilst in a nursing or care home or students possessions whilst at university - up to £10,000

Deeds and documents - up to £10,000

Business contents - up to £20,000

Religious festivals/wedding gifts - 25% of sum insured

Replacement lock and keys - unlimited

Guests effects up to £10,000

Up to £10,000 damage caused by pets

Money in the home - up to £2,500

Money & Credit Cards - up to £30,000 credit cards and £5,000 for money

No need to specify fine art and antiques with a value up to £25,000

No need to specify jewellery, watches and guns with a value up to £10,000

Up to 25% of the sum insured up to 60 days for new acquisitions

Property owners, public and personal liability - up to £5m

Employers Liability - up to £10m


Who is it for?

What is covered?

Why you need it?

Owners of High Value Rural or City Homes with:
  • Prized collections of antiques
  • Fine art
  • High end electronic equipment
  • Expensive jewellery
  • Swimming pools
  • Stables
  • Second homes

Worldwide All Risks including:
  • Contents minimum sum insured £150,000
  • Fine art and antiques, single article limit of £25,000
  • Jewellery, watches and guns, single article limit of £10,000
  • Up to £20,000 business contents

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

Additional Benefits Include

Home & Legacy Ultra

  • Family legal protection up to £100,000
  • Free appraisal for owners of property over£1m or contents in excess of £250,000
  • Identity fraud up to £50,000
  • Up to £500 home emergency assistance

An exclusive range of versatile home insurance designed for owners of extremely high value homes and possessions.

Portfolios of properties can be insured & managed. Very high specified single item limits of £10,000 for valuables & £25,000 for art, antiques.

Other Information

All risks means that we cover the usual perils of fire, storm, flood etc, but the cover extends to include other accidental damage that may occur to your home or possessions.

We do need to know if your home will be unoccupied for more than 60 continuous days and cover will exclude damage from escape of water and oil, theft and malicious damage unless we agree otherwise.

If you have any questions about the home & legacy ultra insurance policy please call us on 0207 112 8940