Home Insurance

Some things are more than just a possession, like the teapot your mam used for the best brew! Naturally you want to do all you can to protect them so it's worth considering if you have the right cover for your house should the unexpected happen. Not just the bricks and mortar, but everything you cherish inside too.

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Find the right level of buildings and contents cover for you

Newcastle Building Society home insurance is provided and underwritten by Legal & General.

Here are some of the features of Legal & General's buildings and contents insurance. We've also provided a list of some of the things that aren't covered. For full details please read the relevant policy documents that are listed at the bottom of this page.

Buildings Insurance

Buildings insurance protects you against the cost of repairing or rebuilding your home if it is damaged or destroyed. It covers the structure of your home (the roof, walls and windows) and any permanent fixtures and fittings such as fitted kitchen units and bathroom suites.

Overview of buildings insurance

Essentials is designed to offer lower levels of cover than Extra in return for lower premiums.

Sum insured will be estimated, but can be increased.

£25,000 Alternative accommodation
£150 Minimum excess
- Damage to buildings Including, but not limited to storm, flood, fire, smoke, earthquake
- Escape of water and leakage of oil
- Trace and access
- Home emergency cover
- Accidental damage for buildings (additional cover option)
- Extended accidental damage for buildings (additional cover option)

£50,000 Alternative accommodation
£100 Minimum excess
- Damage to buildings Including, but not limited to storm, flood, fire, smoke, earthquake
- Home emergency cover - up to £500
- Trace and access - up to £5,000
- Escape of water and leakage of oil
- Accidental damage for buildings
- Extended accidental damage for buildings (additional cover option)

Get extra protection with additional optional extras and feel confident that your policy meets your needs.

What isn't covered by Legal & General's buildings insurance

These are only some examples of the cover, limits and exclusions that apply. For more details of what is and isn't covered, please read the Policy Documents and Policy Booklet which can be found in the Key Documents section.

A minimum excess of £150 for Essentials cover and £100 for Extra cover will apply on each claim or for escape of water claims a minimum excess of £250 will apply and in the event of subsidence, heave or landslip, the first £1,000.
Storm or flood damage to fences, gates and hedges.
Maintenance, wear and tear or damage that happens gradually over a period of time, like damp or rot.
If your home has been unoccupied for more than 60 consecutive days for Extra or 30 consecutive days for Essentials, we won't cover loss or damage caused by malicious acts, vandalism, theft, water or oil leaks, breakage of glass or sanitaryware or frost damage (In this case there is no cover from the first day the home is not lived in).
The cost of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design if damage occurs within a clearly identifiable area or to a specific part and it is not possible to match replacements.

Contents Insurance

Contents insurance will cover the cost of repairing or replacing your possessions that are damaged or destroyed as a result of an insured event, such as furniture and personal belongings.

Our Extra and Essentials policies can be extended to cover valuables and personal property for loss or damage away from the home for an additional premium.

Overview of Contents insurance

Essentials is designed to offer lower levels of cover than Extra in return for lower premiums.

Sum insured will be estimated, but can be increased.

Sum Insured
£150 Minimum excess
Up to 20% of your contents sum insured High risk items
5% of your contents sum insured or (minimum £2,000) High risk single item
- Contents in garden
- Personal money - up to £100
- Theft from outbuildings - up to £1,000
- Accidental damage for contents (additional cover option)
- Extended accidental damage for contents (additional cover option)

Sum Insured
£100 Minimum excess
Up to 33% of your contents sum insured (minimum £14,000) High risk items
5% of your contents sum insured (minimum £2,000) High risk single item
- Contents in garden - up to £1,000
- Personal money - up to £500
- Theft from outbuildings - 10% of contents sum insured or £5,000
- Accidental damage for contents
- Extended accidental damage for contents (additional cover option)

Get extra protection with additional optional extras and feel confident that your policy meets your needs.

What isn't covered by Legal and General's contents insurance

A minimum excess of £150 for Essentials cover and £100 for Extra cover will apply on each claim or for escape of water claims a minimum excess of £250 will apply.
Money stolen from your home unless it was entered by force and violence.
Pedal cycles stolen from home, unless it was entered by force and violence (covered by Extra policies only).
Accidental damage to portable items like video cameras and hand held computer games, unless you've taken out optional contents extended accidental damage or personal possessions cover
If your home has been unoccupied for more than 60 consecutive days for Extra or 30 consecutive days for Essentials, we won't cover loss or damage caused by malicious acts, vandalism, theft, water or oil leaks, breakage of glass, sanitaryware or frost damage (In this case there is no cover from the first day the home is not lived in).
The cost of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design if damage occurs within a clearly identifiable area or to a specific part and it is not possible to match replacements

Would you like a quote for home insurance?

We offer home insurance, which is provided and underwritten by Legal & General, via our branches and contact centre.

0345 606 4488

8am - 8pm Monday to Friday and 9am - 3pm Saturday (Calls to 0345 numbers, cost the same as a call to a standard ‘01’ or ‘02’ landline number, even when calling from a mobile.)

Get a Quote Online Here

It only takes a few minutes to complete your application online

Retrieve Your Saved Quote Here

Buildings and contents insurance is arranged by Newcastle Building Society and provided and underwritten by Legal & General Insurance Limited. To get a quote and apply online you will be transferred to Legal & General’s website. Their website terms and conditions and cookie policy may differ from Newcastle Building Society’s so please read them carefully.

Important information

Buildings and contents insurance is arranged by Newcastle Building Society and provided and underwritten by Legal & General Insurance Limited.

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. While we can replace most items we can't replace the sentimental value.

Key Documents

Make sure you read these before you buy: