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Win a year's FREE home insurance!*

Get a quote for your home in just five questions from our partner, Legal & General.

*Terms & Conditions apply

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Get a quote

To celebrate the launch of SmartQuote we’re giving you the chance to win a year’s FREE home insurance.

All you have to do is purchase a new Home Insurance Policy online, or in your local branch before 31st December 2019 to be automatically entered into the draw.

A winner will be picked at random at the end of each month; you can take a look at the *terms and conditions here.

Protect your house and all the things that makes it a home

Legal & General have created SmartQuote an easy and fast way to get a Home Insurance quote. SmartQuote means you don’t need to tell us when your home was built or what kind of locks you have.

Answer five simple questions and SmartQuote does the rest. By using publicly available data sources, SmartQuote gives us all the information we need to give you a quote on the spot.

Get a Home Insurance Quote in just five questions

Our Home Insurance policies are underwritten by Legal & General. We offer Buildings Insurance, Contents Insurance, and combined for peace of mind. Our two different levels of cover, allow you to tailor your policy to you and your home.

Which level of cover is right for me?

From the wallpaper and windows to the people who live inside, every home is unique. Depending on your individual needs, we have two levels of cover for you to choose from.

Home Insurance Silver

Home Insurance Silver covers your home against items like fire, flood, extreme weather, subsidence, escape of water and theft. You can choose to add additional cover like Accidental Damage, Home Emergency Cover (tenants are not eligible for Home Emergency cover), Personal Possessions Cover Away from the Home, Bicycle Cover, Valuable Items Cover and Family Legal Protection.

Home Insurance Gold

Home Insurance Gold is our most comprehensive level of protection. Home Insurance Gold includes Accidental Damage and Home Emergency Cover as standard (tenants are not eligible for Home Emergency Cover). With the option to add Personal Possessions Cover Away from the Home, Bicycle Cover, Valuable items Cover and Family Legal Protection.

To help you choose the right level of cover for you we’ve put together an overview of Home Insurance Silver and Home Insurance Gold.

Buildings Insurance covers the structure of your home – the actual bricks and mortar. It also covers fixtures and fittings and garages, sheds, outbuildings within the boundary of your land.

It covers your home against unexpected events like fire, flooding, storm damage and theft. Serious instances of any of these can be incredibly stressful - not to mention costly. How would you pay for the cost of damage to your home?

Home Insurance Gold

  • Up to £1,000,000 Buildings Cover
  • Up to £50,000 Alternative accommodation
    • Find and Access Cover - up to £5,000
    • Home Emergency Cover - up to £1,000
    • Accidental damage - included as standard

Home Insurance Silver

  • Up to £1,000,000 Buildings Cover
  • Up to £25,000 Alternative accommodation
    • Find and Access Cover
    • Home Emergency Cover (additional cover option)
    • Accidental damage (additional cover option)

Home Insurance Claim

Step by step guide to making a claim
Find out more
Important Information


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Contents insurance works a little differently. Think of all the things you love in your home, everything of real sentimental value. It helps you to look after the things that make your house a home.

It protects your favourite things from unexpected events like fire, flood and theft, helping you to replace them if they were damaged or stolen.

Contents Insurance is for renters too as it’s highly unlikely your possessions are covered under your landlord’s insurance. This means that in the event of a break-in, a fire or severe flooding you would be responsible for replacing your own possessions.

Home Insurance Gold

  • Choice of £60,000 or £80,000 Contents Cover

    • Contents in the garden - up to £1,000
    • Plants in the garden - up to £1,500
    • Theft from outbuildings - up to £3,000
    • Loss or theft of keys - up to £750
    • Freezer contents - up to £1,000
    • Accidental Damage - Included as standard

Home Insurance Silver

  • Choice of £60,000 or £80,000 Contents Cover

    • Contents in the garden
    • Plants in the garden
    • Theft from outbuildings - up to £1,000
    • Loss or theft of keys - up to £500
    • Freezer contents
    • Accidental Damage - Optional

These tables just show some of the key features and cover limits. They do not include all the benefits, exclusions or limitations. You’ll find full details in the Insurance Product Information Document (IPID) and policy booklets.

Policy Excess

Your chosen excess will apply on each claim (minimum £150). For escape of water claims your chosen excess plus £200 will apply. In the event of subsidence, heave or landslip, there's an excess of £1,000 under Buildings Insurance. For more information including the exclusions and limitations that apply please read the policy documents.

Download Home Insurance Silver Policy Booklet (PDF)

Download Home Insurance Silver IPID (PDF)

Download Home Insurance Gold Policy Booklet (PDF)

Download Home Insurance Gold IPID (PDF)

Existing Customers

If you are a Newcastle Building Society customer and have already purchased a home insurance policy you can access all your important documents through the Legal & General 'MyInsurance' portal.

How to contact us

To get a quote:

Like all insurance policies, there are some limitations and exclusions. Please speak to your local branch or have a look at our policy documents online for more information.

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.