Covers the contents of your home only
Legal & General Reviews
Legal & General fixes your home insurance premium for 2 years, so if you don't make a claim, your premium won't increase at renewal.
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15004 reviews found on websites such as TrustPilot
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Awarded a 5 Star rating by Defaqto
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Convenient online claim system SmartClaim
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Get a quote by answering just five questions with their SmartQuote technology
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UK based call centre open 24/7
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Dedicated Legal Help and Emergency Cover helplines
Price Band
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Good for
- Rated 5 stars by Defaqto
- Upto £150k contents' cover
84% of consumers read reviews before purchasing
*Based on an independent survey of 1000 people by Compare By Review
No Reviews Found
Quotes our team received
Details
Contents Only Quote
£190.33
Per Year
Buildings' Cover Limit
£1.5m
Voluntary Excess
£200
Details
Covers the physical structure of your home as well as the contents
Buildings & Contents Quote
£242.95
Per Year
Buildings' Cover Limit
£1.5m
Voluntary Excess
£200
What home insurance policies do Legal & General offer?
Legal & General offers three different home insurance policies; buildings and contents insurance, buildings insurance only and contents insurance only.
Buildings and contents insurance
Legal & General’s buildings and contents insurance provides you with protection for your home and your belongings. You can choose between their Gold and Silver levels of cover:
| Buildings and contents cover | Gold | Silver |
|---|---|---|
| Buildings sum insured | Up to £1.5m | Up to £1.5m |
| Contents sum insured | Up to £150,000 | Up to £150,000 |
| Home emergency covered | Included | Included |
| Accidental damage | Included | Included |
| Family legal protection | Included | Included |
Buildings insurance
This provides you with cover for the physical structure of your home only, protecting it against natural and unforeseen events such as fire, flood, storm damage, escape of water, subsidence and theft. You can choose between their Gold and Silver levels of cover:
| Buildings cover | Gold | Silver |
|---|---|---|
| Buildings sum insured | Up to £1.5m | Up to £1.5m |
| Home emergency cover | Included | Included |
| Family legal protection | Included | Included |
| Accidental damage | Included | Included |
| Alternative accommodation | Up to £100,000 | Up to £50,000 |
Contents insurance
This covers the contents of your home, meaning everything you would take with you if you were to move house. Your contents will be covered against events such as theft, fire, flood, loss or damage. You can choose between their Gold and Silver levels of cover:
| Contents cover | Gold | Silver |
|---|---|---|
| Contents sum insured | Up to £150,000 | Up to £150,000 |
| Home emergency cover | Included | Included |
| Accidental damage | Included | Optional |
| Family legal protection | Included | Optional |
| High risk items | £30,000 | £30,000 |
| Contents in the garden | Up to £50,000 | Up to £25,000 |
What optional extras can I add to my Legal & General home insurance policy?
You can add any of the following optional extras to your Gold or Silver home insurance policy:
Frequently asked Questions
Legal and General offers Buildings insurance, Contents insurance and Buildings and Contents insurance combined. Choose from two levels of cover;
- Silver Home Cover - for essential cover that will protect your possessions and home against events like fire, flood, storms, theft etc. It also includes home emergency cover.
- Gold Home Cover - a comprehensive level of cover for a wide range of events. This includes Accidental Damage and Home Emergency cover as standard.
Legal & General have three additional options you can add to your policy. Select Personal Possessions Cover to protect your items when away from the home such as a phone, ipad or jewellery in case of loss or damage. Choose Accidental damage to cover those unfortunate mishaps such that happen to your contents or your building. This level of cover is included in Gold Home Cover but it’s an additional option for the Silver Home Cover option. Family Legal Protection gives you and your loved ones a level of cover to pursue certain UK legal proceedings. As before, this addition is already included in the Gold Home Cover but it is an optional addition to Silver Home Cover.
Yes, each level of cover has a dedicated emergency line you can call for advice.
Buildings Insurance Guides
Check out our insurance guides for more information
