Home insurance legal cover is it worth it is a question that ultimately comes down to what is right for you.
While legal cover may vary between policies we’ll be focusing on the pros and cons of Emerald Life’s home insurance legal cover which is included free in every standard home insurance policy.
Do I Need Legal Cover On Home Insurance?
Legal cover means your insurer may cover legal costs in litigation that fulfils their criteria. This often includes situations like unfair dismissal at work and social media defamation. At Emerald Life our home insurance legal cover includes up to £50,000 of expenses.
Home insurance legal cover is not to be confused with property owner liability insurance. That’s a different form of legal cover which means if someone is injured by your property – such as a falling roof tile – then you have liability cover if they sue. This is usually included in home insurance up to a certain limit, usually £2 million or £5 million.
Like all insurance, most people will never have to claim on home insurance legal cover, but if you did have to you would probably be very grateful for it.
What Does Legal Cover Include?
You should be able to find out what is included in your home insurance legal cover by reading the policy wording of your insurer.
At Emerald Life our home insurance legal cover includes:
- Consumer disputes – if you have been refused a service as a breach of the Equalities Act then your legal fees may be covered.
- Civil claims as a result of loss or damage to goods in the home
- Professional fees as a result of an in-depth tax enquiry by HM Revenue & Customs.
- Some criminal prosecution defence claims
- Breaches in a school admissions policy
- Probate disputes
- Identity theft
Home Insurance Legal Cover: Is It Worth It?
The challenge is whether or not this is worth paying extra for. Thankfully with Emerald Life home and contents insurance home insurance legal cover is included free, so you don’t need to worry about over-paying. Instead just enjoy this free extra that we include as part of our continuing effort to offer better insurance products.
Of course when asking about home insurance legal cover is it worth it you may question if the fact we offer it free just means we’ve hiked our prices up to include it.
With Emerald Life home insurance that is not the case. We pay for both your free legal cover and free home emergency cover out of our own commission. This is part of our commitment to being a more ethical insurer that puts the needs of its customers first.