Competitive Home Insurance

Pay less with Essentials Home Insurance

Getting the right cover for your personal circumstances is very important, inadequate cover can leave you and your family at financial risk should you need to claim in the future. Essentials home insurance is designed to offer lower levels of cover than the Extra Policy. Newcastle Building Society home insurance provided and underwritten by Legal & General will cover your home and its contents against loss or damage from a wide variety of causes.

Essentials home insurance may be suitable for you if you are just starting out or if you have a lower amount of possessions that need to be covered.

Essentials Home Insurance Summary

FEATURE ESSENTIALS COVER
BUILDINGS COVER Sum insured will be estimated, but can be increased
Minimum compulsory excess £150
Alternative accommodation £25,000
Damage to buildings (Including but not limited to Storm, flood, fire, smoke, earthquake)
Escape of water and leakage of oil
Accidental damage for buildings Additional cover option
Extended accidental damage for buildings Additional cover option
CONTENTS COVER Sum insured will be estimated, but can be increased
Minimum compulsory excess £150
High risk items Up to 20% of your contents sum insured
High risk single item limit Up to 5% of your contents sum insured (a minimum of £2,000)
Visitors personal effects
Theft from outbuildings £1,000
Accidental damage for contents - to TVs, computers and stereos. Includes accidental breakage of mirrors and fixed glass in furniture

 

Additional cover option
Extended accidental damage for contents - like spilling red wine on your carpet

 

Important information

Please note that our home insurance is designed to cover certain unforeseen events and doesn't cover everything. It does not cover things like general wear and tear or damage that happens gradually over a period of time. There is also an excess on each claim.

These examples are only a brief list of your cover and exclusions. For more details of what is and isn't covered, please refer to our Home Insurance Essentials Policy Summary and Home Insurance Essentials Policy Booklet.

If you require a higher level of cover than is outlined above then you may be interested in our Extra home insurance option.

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