About H&L

Established in 1995, Home & Legacy is one of the leading providers of high net worth insurance in the UK. We are best known for providing high net worth household, landlord and worldwide travel insurance.

Our experienced advisors are dedicated to providing a first-class service. And if it becomes necessary to make a claim, our in-house team handles this to the highest standards. youTalk-insurance is sharing Home & Legacy insurance news and video.

Home & Legacy Videos

Home & Legacy: Ready for the storm – Preparing for a winter claims surge

With winter upon us, claims departments are readying themselves for weather-related surges.Home & Legacy’s Head of Claims Andy Reid gives his take on how best... click here for more

Home & Legacy - New Year’s Resolution: Value it right

With new items acquired by customers over Christmas and general valuation changes in the market, Home & Legacy Underwriting & Markets Director, Adrian Ewington,... click here for more

Home & Legacy review of 2018 - Delivering consistency during stormy times

Barry O’Neill, Managing Director of high net worth provider Home & Legacy, takes a look back on 2018 and a look ahead to 2019.If you would like to talk to... click here for more

Home & Legacy: Brokers’ Choice for Best Claims Team of the Year

Home & Legacy’s head of claims, Andrew Reid, discusses the high net worth specialists’ success in the inaugural Broker Choice Awards.If you would like to... click here for more

Home & Legacy promotes training & development led operations

High net worth specialist, Home & Legacy shares its own training & development story. With the government’s apprenticeships scheme making the headlines... click here for more

Home & Legacy - Seasonal fire protection advice (video)

Watch James Scott Brown, of SBRMS (providers of risk management solutions to Home & Legacy) sharing some useful tips on seasonal fire protection for homeowners click here for more

Home & Legacy - Low winter sun – A very real fire risk (video)

Watch Tom Sims, Home & Legacy, Claims Manager talking about the the very real risk of house fires caused by the rays of the low winter sun.  The video... click here for more
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Low winter sun – a very real fire risk

I’m Tom Sims, Home & Legacy Claims Manager.

As we’re approaching winter, we want to make our brokers and customers aware of the very real risk of house fires caused by the rays of the low winter sun.

The sun can shine through a home’s windows and be magnified by glass objects like crystal ornaments, vases and mirrors, to the extent that it can cause material furnishings to catch fire. It might sound far-fetched but as a household insurance provider, we’ve dealt with a number of claims caused by the sun rays – with devastating effects to our policyholders and their families. I can assure you, this is no urban myth – the risk is real.

With that in mind:

Keep glass out of direct sunlight – at any time of year, but particularly when the sun is low in the sky. That’s vases, crystal ornaments, jars, bottles, mirrors – spend time checking for risks in your home. A lot of people have their dressing table in the bedroom window with a vanity mirror on it. It might seem harmless enough but I’ve seen devastating, total loss house fires caused by this very situation.

Make sure smoke alarms are fitted on every floor of your home. If you live in a large house, place more than one on every floor. Check your smoke alarms monthly; make sure the batteries do not run flat.

If you do have a fire – close the door on the blaze, get out, stay out and call 999


Home & Legacy: Things to consider when insuring luxury electric cars (video)

Watch Ade Ewington, Underwriting and Markets Director from Home & Legacy talking about key things to consider when buying insurance for luxury electric cars.  click here for more

Home & Legacy family legal service and assistance provided by Allianz Legal Protection (video)

Steve Rowley from Allianz Legal Protection tells you more about Home & Legacy’s legal service and assistance, a free feature for all Home & Legacy... click here for more

Home & Legacy - Could inclusive landlord policies change the way landlords use lettings agents? (video)

Watch Ade Ewington, Underwriting Director, Home and Legacy talking about their comprehensive Landlord insurance proposition click here for more
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Home and Legacy: Could inclusive landlord policies change the way landlords use lettings agents?

Hi – I’m Ade Ewington, Underwriting Director at Home & Legacy. This year we improved and refreshed our range of landlord insurance.

Our Ultra Landlord policy now offers the options of a really inclusive cover – with an extended range of optional extras for landlords. And we believe that top level policies like Ultra Landlord could actually be game-changing for the lettings industry because they will provide many of the services currently provided to landlords by letting agents, but at a very reasonable price. 

With our Emergency Property Assistance option for example, when a tenant experiences a situation like a burst pipe or power failure, they can simply call a 24 hour hotline and access the help they need from a professional tradesperson in a timely fashion. Gone are the days where they need to wait for the lettings office to open before they can get things moving. Emergencies can get resolved and this benefits the tenant, the landlord – and saves work for the agent.  

Landlords can also save themselves hassle and expense when it comes to procuring the necessary certificates for gas safety and energy performance, by simply adding these options to their Ultra Landlord insurance policy. Why bother organising these separately? The certificates can actually work out cheaper than purchasing as standalone add-ons through a letting agent.

Ultra-Landlord also offers options for Rent Default Protection and Legal Expenses to provide what we believe is a truly comprehensive landlord package.

To find out more about Home & Legacy landlord insurance, visit broker.homeandlegacy.co.uk/landlord or call us on 0344 893 8370


Home & Legacy re-launches Landlord insurance product range (video)

Ade Ewington, Underwriting and Markets Director from Home & Legacy click here for more
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Home & Legacy re-launches Landlord insurance product range

I’m Ade Ewington, Underwriting and Markets Director from Home & Legacy.

Did you know, we do landlord insurance in addition to our high net worth household and motor lines?  And we’ve recently refreshed and re-launched our range. You’ll notice the policies look different; the language is clearer and easier to follow for customers.

We still have two tiers of cover – Prestige and Ultra, but we’ve studied the market to make sure the policies we’re offering to you and your landlord customers are absolutely robust.

Prestige Landlord is our entry level cover, aimed at any of your landlord customers looking for a good, solid, standard level of cover. It covers all the perils you’d expect and now includes employer’s liability as standard. And because it’s from a trusted provider, landlords get excellent service like a dedicated handler when they need to make a claim. That’s something they just frankly wouldn’t get from a standard, direct landlord policy.

Ultra is our flagship policy aimed at landlords who really want the reassurance of an inclusive, exemplary level of cover. You’ll find generous limits and top rated covers on this product, like a 90 day unoccupancy grace period and legal expenses cover as standard, as well as a range of optional extras like accidental damage by tenants, rent default protection and landlord’s Emergency Property Assistance.

On both products we offer a multi-policy discount for portfolio landlords.

The refreshed products are now live and available. If you want to find out more, visit our website at broker.homeandlegacy.co.uk, call us or get a quote online. You can even buy Prestige and Ultra Landlord online.


All that’s left for me to say now is, we look forward to receiving your landlord risks and thank you for your time.


Home & Legacy - Review of 2014 and what to look out for in 2015 (video)

Barry O'Neill, Managing Director, Home & Legacy reviews 2014 and talks about plans for 2015 click here for more
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Home & Legacy - Review of 2014 and what to look out for in 2015 video

Hello and Happy New Year to you all. My name is Barry O’Neill from Home & Legacy, and I’d like to take this chance to thank all our brokers for your support over the last year.

I am sure you all know that the market in 2014 was particularly competitive, and I am aware that you have more options than ever as to where you place your business so it was really pleasing for me to see our conversion rates improving as the year progressed. That tells me that we have been more successful in delivering to you competitive products in terms of cover and price. Thank you for recognising that in the support many of you gave to us last year

Your recognition of our service has also been reflected in industry surveys - we came 6th in the Insurance Times Broker Survey and we were also nominated for an Underwriting Service Award. Thank you for taking the time to respond to those surveys.

Ultimately we are rightly judged by our clients on our claims service and I am delighted that clients who have had a claim have rated our performance with a Net Promoter Score of  66.2, which is a great result which I believe justifies your confidence in recommending us to your clients.

So what’s next for Home & Legacy in 2015? Well firstly, in quarter one, we will release our new and improved Landlord polices. We have taken what is already a successful product and improved it.

Furthermore, we have listened to broker feedback and we will be making some significant changes to our Motor policy wordings in the 2nd quarter. 

More information on these exciting developments will follow in the coming months.

Finally, I’d like to wish you all the very best for the New Year. We look forward to working with you and building on our existing relationships. If you have issues or opportunities you would like to discuss with me then please don’t hesitate to contact me directly.


The thoughts and opinions shared in this video transcript are provided for information purposes only and do not represent the views and opinions of You Talk Insurance Limited.  Professional advice should always be sought before making any decision.

Home & Legacy - Ultimate Home product update video

Adrian Ewington - Underwriting & Product Manager, Home & Legacy Insurance Services click here for more

Home & Legacy - SBRM Surveyors talks about working with Home and Legacy

SBRM Surveyors talks about working with Home and Legacy. click here for more