Legal & General Home Insurance

Legal and General Home Insurance

Legal & General home insurance understands that not everyone wants the same thing from their policy. That’s why they've developed home insurance that offers you a choice of cover. Legal & General home insurance offers Extra or Essentials cover, so depending on your needs, you can personalise your cover.

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ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

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Cover more with Legal and General Home Insurance Extra.

If you’ve built up your home and possessions and want to protect the things that matter to you, Extra provides you with more comprehensive cover against a wider range of risks than our Essentials product.


The cover offered by Extra might be suitable for you if:

  • You want 24 hour call out for home emergencies
  • You would like the option to be covered for extended accidental damage. This covers mishaps like banging a nail through a pipe or putting a foot through the ceiling (buildings). Or spilling red wine on your carpet (contents).


Extra cover includes:

  • Contents in garden– up to £1,000
  • Home emergency cover – up to £150
  • Trace and access – up to £5,000
  • Freezer contents – up to £1,000


Pay less with Legal and General Home Insurance Essentials.

Cover the basics – the important essentials like fire, flood and theft. You’ll be able to enjoy the lower cost of the Essentials cover if:

  • You’re happy to agree a higher excess than with our Extra cover
  • You don’t mind not having the option for extended accidental damage for buildings and contents.


Essentials cover includes:

  • Theft of personal money in the home – up to £100
  • Replacement locks if keys stolen – up to £500
  • Theft from outbuildings – up to £1,000
  • 24 hour emergency helpline


Apply online for Legal & General home insurance, or make sure L&G home insurance is right for you by comparing it with a range of other deals above: