. Legal expenses and rent guarantee
. Discounts

Buildings cover

. Standard option provides buildings cover for houses or bungalows built after 1849, of standard construction and with up to five bedrooms, up to a limit of £500,000.
. If this is not suitable, cover may be arranged for a specified rebuilding cost under the Select option. We will insure the buildings for the amount specified on the proposal form. The sum insured needs to be based on the rebuilding cost of the property which you should be able to find on your mortgage valuation report or surveyor's report. As part of the buildings section you are also automatically covered for:
. Home emergency cover: Up to £150 for call out charges, labour, parts and materials required for immediate repairs to the property, mains services and central heating if an emergency occurs. Home emergency cover is insured by Europ Assistance Insurance Limited.
. Loss of rent: Up to £50,000 for loss of rent should the tenant need to move out of the property as a result of an insured event.
. Fees paid: Architects' and surveyors' fees for rebuilding or repairs following a claim.
. Garden damage: The cost of re landscaping gardens damaged by the fire brigade whilst combating a fire.
. Property owners' liability up to £2 million.
. Accidental damage to underground pipes and cables serving the property.
. Accidental breakage of fixed glass and fixed sanitaryware.
. Cost of tracing and accessing leaks up to £5,000.
. Protection against inflation (Select option only).
. Optional extended accidental damage available at an additional cost

Contents cover

You may let your property on a furnished basis. The buy to let policy can also cover your household goods, furniture, furnishings, fixtures and fittings at the property for a minimum sum insured of £5,000. Under this section, you will also be automatically covered for the following:

. Theft of keys: Up to £250 for replacement keys and locks if the keys are stolen.
. Liability to third parties up to £2 million. . Protection against inflation.
. Cover for property in garages and domestic outbuildings up to 5% of the contents sum insured.
. External satellite receiving equipment: Up to 5% of the contents sum insured.
. New for old: No deduction is made for 'wear and tear' except for household linen more than two years old.

Optional extended accidental damage cover is available at an additional cost

Legal expenses and rent guarantee

This section provides cover for irrecoverable costs and fees of £250 or more that you may incur in pursuing or defending claims involving breach of tenancy agreement. Rent guarantee provides cover for rent arrears for up to 12 months or until vacant possession is gained, whichever happens first.

The maximum we will pay for rent arrears is £2,000 a month and the total amount for both the legal costs and rent guarantee is £50,000.

Legal expenses and rent guarantee is insured by Pinnacle Insurance Plc.

Discounts

The only discount available under the buy to let policy is if you select a voluntary excess. You can choose to pay the first:

. £50
. £100
. £150
. £200
. £250

The higher the excess chosen, the higher the discount. The voluntary excess will be applied to both the buildings and contents sections where both covers are chosen and applies in addition to the standard policy excess of £100 and any other excesses which may be applied to the policy.

Home Insurance Choices

Peace of mind has never been easier with Home Insurance Choices

Home Insurance Choices is a buildings and contents insurance contract that looks at the individual characteristics of the risk to provide an effective solution for your property and contents.

By acknowledging this, you will realise the benefits of taking out Home Insurance Choices from Legal & General. After all, everyone knows someone who has fallen victim to either a burglary or a burst pipe at some time.

If the worst should happen, Home Insurance Choices will enable you to concentrate on getting back to your daily lives as soon as possible, while we ensure that your possessions are replaced or repairs to your home are dealt with swiftly and professionally.

Buildings Insurance

. Standard option provides buildings cover for houses or bungalows built after 1849, of standard construction and with up to five bedrooms, up to a limit of £500,000.
. If this is not suitable, cover may be arranged for a specified rebuilding cost under the Select option. Legal & General will insure the buildings for the amount specified on the proposal form. The sum insured needs to be based on the rebuilding cost of the property which your client may be able to find on their mortgage valuation report or surveyor's report.

As part of the buildings section you will also be automatically covered for:

. Home emergency cover: Up to £150 for call out charges, labour, parts and materials required for immediate repairs to the property, mains services and central heating if an emergency occurs. Home emergency cover is insured by Europ Assistance Insurance Limited.
. Loss of rent: Up to £50,000 for loss of rent should the tenant need to move out of the property as a result of an insured event.
. Fees paid: Architects' and surveyors' fees for rebuilding or repairs following a claim.
. Garden damage: The cost of re landscaping gardens damaged by the fire brigade whilst combating a fire.
. Property owners' liability up to £2 million.
. Accidental damage to underground pipes and cables serving the property.
. Accidental breakage of fixed glass and fixed sanitaryware.
. Cost of tracing and accessing leaks up to £5,000.
. Protection against inflation (Select option only)
. Optional extended accidental damage available at an additional cost.

Contents Insurance

. You can select from five levels of cover depending on your requirements: -
First time buyer option - £25,000
Standard option - £40,000
Standard option - £50,000
Standard option - £60,000
Standard option - £70,000

. Alternatively, arrangements may be made under the Select option for a chosen sum insured.
. Optional extended accidental damage cover is available at an additional cost

Additional benefits include:

. Accidental damage to TVs, stereos and computers.
. Protection against fraudulent use of credit cards up to £5,000.
. Cover for property in garages and domestic outbuildings (limited to 10% of contents sum insured for theft or attempted theft).
. Replacement locks and keys to external doors following theft of keys up to £500.

Additional options

Cover can also be extended to include:

. Extended accidental damage to buildings and/or contents
. Personal possessions
. Family legal protection

Capita Insurance Services manages family legal protection.

Home Insurance Choices policies automatically include payment protection cover, which means you will have your monthly premiums paid up to 12 months, in the event of accident, sickness or unemployment.

Discounts

Overview

With Home Insurance Choices you will not just be provided with the right level of cover. You will also save money. You can enjoy valuable discounts on the cost of home insurance if you meet any of the conditions below.

No claims discount

If you have held insurance before, you may qualify for the following no claims discounts on your buildings, contents and personal possessions premiums:

No claims:
In the last year = 10% discount
In the last two years = 15% discount
In the last three years = 20% discount

Voluntary excess

Lower buildings and contents premiums if you pay the first £50, £100, £150, £200 or £250 of every claim in addition to the compulsory £100 excess. A minimum excess of £1,000 applies to claims for subsidence, heave or landslip under the buildings section.

Combined buildings and contents cover

Lower buildings and contents premiums if both buildings and contents are insured under one policy.

Neighbourhood Watch

Lower contents premiums if your home is in a Neighbourhood Watch area.

Intruder alarm and locks

Because we believe that customers should be rewarded for taking steps to protect their homes, we offer lower contents premiums if:

. you fit key-operated locks to all accessible windows, or
• your home is fitted with an intruder alarm which is maintained by an installer approved by the NSI (National Security Inspectorate) or by the SSAIB (Security Systems and Alarms Inspection Board).

The discounts are not available if minimum standards of security are a pre-requisite of cover.

Smoke alarm

Lower buildings and contents premiums if your home is fitted with a smoke alarm

Mortgage Payment Protection Insurance

Protection for those rainy days

Mortgage Payment Protection Insurance (MPPI) provides essential cover to protect your mortgage repayments if you are unable to work due to accident, sickness or unemployment. MPPI will also help to alleviate any anxieties you may have about the future, right now.

What is MPPI?

Overview

Mortgage Payment Protection Insurance is specifically designed to offer you reassurance that your mortgage and related insurance payments would be covered if you could not make your payments as a result of accident, sickness and involuntary unemployment.

Key Features

. No occupations are excluded.
. Cover is available for contract, self-employed, full-time and part-time workers.
. This cover is available for new or existing mortgages.
. Monthly benefit selected can cover mortgage payment plus an additional 40% of the monthly repayment to allow for changes in mortgage interest rates.
. No upper limit on the monthly benefit, subject to it not exceeding 65% of gross monthly income.
. Benefit paid for up to 365 days or until you return to work, whichever happens first.
. Access to LifeTrack Direct - a job-search service providing support and information, including CV production, a job database and skills manual.
. Portable to a mortgage on a different property or a re mortgage.
. We will pay unemployment benefit if you stop work to become a full-time carer for a member of your immediate family and if they receive a Carer's Allowance.

Key exclusions

. Medical conditions that you have had symptoms, treatment or medical advice about in the 12 months before the policy starts are not covered in the first two years of the policy.
. Any condition (whether you knew of it or not) which occurs within 30 days of the start date if this is an existing mortgage.
. Any self-inflicted injury.
. Any injury suffered through a wilful or criminal act.
. Drinking alcohol or drug abuse.
. Normal pregnancy.
. War, riot, radioactive contamination or nuclear accident.
. No cover for known or pending unemployment.

Price

Premiums are subject to a minimum monthly premium of £10 (£5 for AS or U only). Prices will vary depending on the deferred period and payment option required by your customers