Legal and General Home Insurance

Legal and General were established in 1836 and they have customers all over the world.

There are two levels of cover available, so that you have the option of the products and benefits which suit you. Choose from the Essentials or the Extra cover, which has more benefits and higher limits.

Buildings and contents insurance is available separately, or you can buy them together as one package for greater convenience.

 Legal and General home insurance


Should you need to make a claim on your Legal and General Home Insurance, they have a UK based claims line which is open 24 hours of the day, 7 days a week. All you need to do is call them on 0370 900 5565. They also have an online service which means you can view or download your policy documents online.

Limitations and exclusions apply, please refer to the Policy Summaries and Policy Booklets for full product details.

London house

These are some of the benefits you’ll get with Legal and General Buildings Insurance:

  • Cover against the escape of water from a domestic appliance
  • Cover for leaking oil from a heating system
  • Damage to underground pipes and cables, such as water, gas, electricity and sewerage
  • Damage by frost to any heating or water installation
  • Alternative accommodation – if your house is damaged extensively by something covered under your insurance and you cannot live in the property. This covers you to stay in alternative accommodation. If you have any pets, they will also be covered
  • The loss or theft of your house keys – cover for new keys and replacement locks
  • Property owners’ liability – cover for any claims made against you for loss, damage or injury to a third party in your own home, or a property you own

Contents Insurance with Legal and General Home Insurance covers:

  • Accidental damage to home entertainment equipment including TV’s, audio systems and computers (Extra only)
  • Loss or theft of keys – cover for new keys and replacement locks
  • Loss of metered water
  • Alternative accommodation – if your home is damaged and you can’t stay in it then as long as the damage is insured, you are covered to live somewhere else. Your pets will also be provided with alternative accommodation
  • Additional insurance cover for special events such as a wedding or a religious festival, a month before and a month after the event to cover the extra contents you might have at home
  • Cover against the theft of money at home
  • Cover for high risk items you have purchased but have not yet declared to your insurance provider if loss or damage occurs within 30 days of purchase

Optional extras

Home Insurance with Legal and General also has optional extras which you can add to your buildings or contents policy, to give you wider cover. These are:

  • Accidental Damage to: glass in furniture, mirrors, computers, TV’s and damage to bathroom suites (included as standard with Extra, included as part of the optional accidental cover with Essentials)
  • Extended Accidental Damage - cover for those mishaps which might occur as a result of a DIY disaster or spilling something on your sofa that ruins it
  • Personal Possessions cover away from home - the contents of your handbag, mobile phone, jewellery or pedal cycles anywhere in the UK or if you’re abroad, worldwide for up to 60 days
  • Family Legal Protection – help if you need to make a personal injury claim, legal problems concerning your home, contracts at work or disputes over goods or services

Get a quote

Legal and General home insurance helps to ensure that you have the cover you need at a competitive price. Get a Legal and General home insurance quote today and see just how much you could save.

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