When you have legal protection included in your policy, this typically gives
you a free helpline or adviceline to ring if you need legal help.
Companies that offer this don't usually restrict your options to simply be
about the home insurance policy, they can be about any legal issue that you
are facing as a private householder.
Costs incurred by pursuing your claims or for matters that are covered by
the insurance company are thereby covered (subject to detailed conditions
in the policy wording, of course).
The solicitor and court fees may be subject to a limitation, for sure, but
typically these limits will be very high and you will not typically encounter
things that reach these limits in the course of a normal insurance policy
term.
Things covered can be personal injury, property protection, legal defence,
employment disputes, motoring prosecution and even salary or wages
that cannot be claimed as a result of having to do jury service!
There are quite a few exceptions to many policies - divorce and matrimonial
disputes will not be entertained by insurance companies, anything to do
with the policy itself (!) and intra-policy disputes (ie legal action against
someone covered by the same policy). There are usually clauses which
are to do with agreeing to arbitration, appointment of solicitors and that
disclosure of information must be made to the insurance company to properly
protect your interests. As is often the case with home contents insurance
policies, it pays to check the wording carefully.
So it can be seen from all of the above, getting cheap Home Contents
Insurance can cover a lot of extra things as well as the basics through legal
parts of your policy. (We used
href="http://www.homecontentsinsurance.org.uk/Direct-Line.php">Direct Line Home
Contents Insurance as a reference for the above text, but other policies
can be very similar.