Home Insurance Essentials
Pay less with Home Insurance Essentials
Cover the basics - the important essentials like fire, flood and theft. Newcastle Building Society home insurance provided by Legal & General will cover your home and its contents against loss or damage from a wide variety of causes. You'll be able to enjoy the affordable lower cost of the Essentials cover if:
- you're happy to agree a higher excess than with Extra cover
- you don't mind not having the option to be covered for extended accidental damage
| WHAT'S COVERED BY ESSENTIALS |
WHAT'S NOT COVERED BY ESSENTIALS |
| This cover includes: |
This cover does not include the following: |
| replacement locks if keys stolen - up to £500 |
trace and access |
| theft from outbuildings - up to £1,000 |
freezer contents |
| 24 hour emergency helpline |
standard accidental damage (unless option selected) |
| The downloadable policy document has the full list. |
The downloadable policy document has the full list. |
Essentials cover summary
| FEATURE |
ESSENTIALS COVER |
| BUILDINGS COVER |
Sum insured will be estimated |
| Minimum compulsory excess |
£150 |
| Alternative accommodation |
£25,000 |
| Damage to buildings |
Storm, flood, fire, smoke, earthquake |
| Escape of water and leakage of oil |
Included |
| Standard accidental breakage for buildings |
Optional |
| CONTENTS COVER |
Sum insured will be estimated |
| Minimum compulsory excess |
£150 |
| High risk property (e.g. jewellery, works of art ) |
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) |
| Theft from outbuildings |
£1,000 |
| Standard accidental damage for contents |
Optional |
| Theft of personal money in the home |
£100 |
Important information
Please note that 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.
This summary is only a brief guide to your cover and exclusions. For full details of what is and isn't covered, please read our home insurance essentials key features and home insurance essentials policy document.
