Legal & General Home Insurance

Compare Legal & General home insurance

Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

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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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Five star rated Platinum Home Insurance.
(Moneyfacts Home Insurance 2018). Choose from three levels of cover, covering some or all of: home emergency, boiler cover, family legal protection, accidental damage on both buildings and contents, personal possessions, bicycles, matching items, trace and access. Plus add optional extras. 24-hour Emergency Helpline

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UK's number 1 rated home insurance provider. We compare policies from leading providers as well as our own to find you the right cover. Prices fixed for 2 years

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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

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5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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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 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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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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Is Legal and General home insurance right for you?

Legal & General home insurance provides comprehensive cover for your home and/or possessions depending on your personal requirements. Legal & General offer a range of policy options so you can build a home insurance plan that suits you, including buildings insurance, contents insurance and joint buildings and contents insurance.


Policy-holders can take advantage of the following:

  • The choice to pay monthly or annually
  • UK-based call centres
  • A 24-hour legal and domestic helpline
  • An online payment portal for fast, easy policy renewals


Choosing a Legal & General home insurance policy

Legal & General understands that not everyone wants the same thing from their home insurance policy. That’s why they offer two levels of cover: Essential and Extra. This allows you to choose a policy that protects everything you need at an affordable price. You can also choose from several additional cover options to help build a truly comprehensive insurance policy.


Essentials Home Insurance

Legal and General Home Insurance Essentials allows you to cover the basics on a budget. This policy covers you against all the important essentials, like fire, flood and theft. Your contents and buildings are covered up to an amount based on the information you provide.


Features of Essentials Cover

  • Cover for theft of personal money in the home up to £100
  • Replacement locks if keys are stolen up to £500
  • Theft from outbuildings is covered up to £1,000
  • 24 hour emergency helpline


Extra Home Insurance

Extra provides you with more comprehensive cover against a wider range of risks than Legal and General's Essentials policy. Your contents and buildings are covered up to a certain amount based on the details you provide.


Features of Extra Cover

  • 24 hour call out for home emergencies
  • Cover for extended accidental damage (includes mishaps such as banging a nail through a pipe [buildings cover] or spilling red wine on your carpet [contents cover])
  • Contents in your garden are covered up to £1,000
  • Home emergency cover up to £150
  • Trace and access of leaks covered up to £5,000
  • Freezer contents protected up to £1,000


Additional Cover

Legal and General allow you to add optional extras to your home insurance policy, offering comprehensive protection tailored to your needs. Optional add-ons include: Extended Accidental Damage cover, Personal Possessions cover and Family Legal Protection


What is an excess?

Legal and General require you to pay an excess when claiming on your policy. This is a fixed fee you must pay every time you make a claim. There are two types of excess you need to be aware of: compulsory and voluntary.


A compulsory excess is set by your policy-provider, whereas a voluntary excess is set by you. The benefit of choosing a higher voluntary excess is that you will pay lower monthly premiums and generally have fewer restrictions when making a claim. However, this will make it more expensive if you do need to make a claim.