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HELP PROTECT YOUR HOME

Home Insurance
  • Provided by Legal & General
  • Personal claims manager
  • Choose from 2 policies 
  • New for old contents cover
  • UK call centre staff

We've teamed up with Legal & General, an award-winning insurer that's been protecting homes from over 90 years, to bring you two home insurance policies you can trust, Your Home Cover and Your Home Cover Plus. Each policy has a different level of cover, the tables below offer an overview of the cover provided, however for full details please see the policy documents which can be found in the Policy Documents tab. Depending on your needs you are able to take out joint building and contents insurance or single cover.

What does Building Cover include?

Buildings Your Home Cover Your Home Cover Plus
Policy Excess ✔ £150 ✔ £100
Home Emergency Cover ✔ Up to £500
Accidental Damage for buildings Additional option available
Extended Accidental Damage for buildings Additional option available Additional option available
Loss of Rent and Alternative Accommodation ✔ Up to £25000 ✔ Up to £50000
Trace and Access ✔ Up to £5000
Replacement of Locks ✔ Up to £750

What does Contents Cover include?

Contents Your Home Cover Your Home Cover Plus
Policy Excess ✔ £150 ✔ £100
Accidental Damage for contents Additional option available
Extended Accidental Damage for contents Additional option available Additional option available
High Risk Items ✔ Up to 20% of your contents sum insured ✔ Up to 33% of your contents sum insured (a minimum of £14000)
Personal Money (in the home) ✔ Up to £100 ✔ Up to £500
Freezer Contents ✔ Up to £1000
Theft from Outbuildings ✔ Up to £1000 ✔ Up to 10% of your contents sum insured (a minimum of £5000)
Contents in the Garden ✔ £1000
Credit Cards ✔ Up to £5000
Pedal Cycles in the Home ✔ Up to £500 for any one cycle

Limitations and exclusions apply.

Our home insurance policies don't cover loss or damage to your home or contents due to maintenance, wear and tear or damage that happens gradually over time. There is also a compulsory excess on each claim of £100 for Your Home Cover Plus policies or £150 for Your Home Cover policies (or £250 for escape of water claims and in the event of subsidence, heave or landslip, the first £1,000) plus any voluntary excess if you choose it.

We know that every home is different, which is why we've made it easy to adjust your home insurance to suit you. Simply pick from these optional extras:

  • Extended accidental damage - Get cover against accidents like putting your foot through the ceiling when you're in the loft, or spilling paint on your carpet. It's available for both your building and contents cover.
  • Family legal protection - If you or a family member living in your home are facing solicitor or court costs from defending against certain legal claims, or are pursuing a claim, we can provide cover worth up to £50,000. Family legal protection cover is provided by DAS Legal Expenses Insurance Co Ltd.
  • Personal possessions - You can get cover for lost, stolen or damaged items such as tablets, laptops, mobile phones, jewellery and spectacles.

Get a quote today

Click below to get a quote online, or simply give us a call on 0330 333 4000 or pop in to your local branch to have a chat with one of our helpful customer consultants.

It is important you read the following key documents. If you do not understand any of the terms and conditions please contact us for further information.

Your Home Cover Policy Summary PDF

Your Home Cover Policy Booklet PDF 

Your Home Cover Plus Policy Summary PDF

Your Home Cover Plus Policy Booklet PDF

 

Making a claim will depend on when you took your policy out

Please click on the description below that best describes the policy you took out through Principality.

  • Making a claim if you took out a Your Home Cover or Your Home Cover Plus policy after 9th November 2015

  • Making a claim if you took out a Select2Protect policy before 8th November 2015

Helpful Information and Guidance

Choosing the right level of cover can be confusing, so we've created these helpful guides to take you through the process.

WHAT CAN I DO NEXT?

Call us to arrange an appointment on: 0330 333 4000

Retrieve a quote

 

To help us maintain our service and security standards, telephone calls may be monitored or recorded. Your personal details may be used by Principality Building Society to contact you about your application.

Principality Home Insurance Your Home Cover and Your Home Cover Plus is underwritten and administered by Legal & General Insurance Limited, registered in England and Wales at One Coleman Street, London, EC2R 5AA. Legal & General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, reference number 202050.