Home Insurance Extra
Cover more with Home Insurance Extra
If you've built up your home and possessions and want to protect more of the things that matter to you, Extra provides you with more comprehensive cover against a wider range of risks than our Essentials product. 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.
The cover offered by Extra might be suitable for you if:
- you want 24 hour call out for home emergencies
- you would like to have the option to be covered for extended accidental damage. This covers mishaps like banging a nail through a pipe or putting your foot through the ceiling (buildings). Or spilling red wine on your carpet (contents).
| WHAT'S COVERED BY EXTRA |
WHAT'S NOT COVERED BY EXTRA |
| This cover includes: |
This cover does not include the following: |
| home emergency cover - up to £150 |
storm or flood damage to fences, gates and hedges |
| trace and access - up to £5,000 |
loss or damage caused by underground water |
| freezer contents - up to £1,000 |
damage caused by wear and tear |
| The downloadable policy document has the full list. |
The downloadable policy document has the full list. |
Extra cover summary
| FEATURE |
ESSENTIALS COVER |
| BUILDINGS COVER |
Sum insured will be estimated |
| Minimum compulsory excess |
£100 |
| Alternative accommodation |
£50,000 |
| Damage to buildings |
Storm, flood, fire, smoke, earthquake |
| Escape of water and leakage of oil |
Included |
| Standard accidental damage for buildings |
Included |
| CONTENTS COVER |
Sum insured will be estimated |
| Minimum compulsory excess |
£100 |
| High risk property (e.g. jewellery, works of art) |
Up to 33% of your contents sum insured (a minimum of £14,000) |
| High risk single item limit |
Up to 5% of your contents sum insured (a minimum of £2,000) |
| Theft from outbuildings |
Up to 10% of contents sum insured (a minimum of £5,000) |
| Standard accidental damage for contents |
Included |
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 extra key features and home insurance extra policy document.
