Home Insurance
Not everyone wants the same thing from their home insurance. That's why we offer home insurance provided by Legal & General that gives you a choice of cover. Choose from Extra or Essentials and get something different - depending on your needs. You can personalise your cover online.
Home Insurance from Legal & General
| Pay less with Essentials |
Cover more with Extra |
| Essentials covers the basics like fire, flood and theft. Essentials is designed to cover basic home insurance needs and could suit, for example, someone just starting out in their own property. |
Extra could be suitable if you're looking for more comprehensive cover against a wider range of risks. Extra offers a greater range of options and could suit, for instance, the needs of a well-established family household. |
- Minimum compulsory excess of £150
- Alternative accommodation cover of up to £25,000
- High risk property cover of up to 20% of your contents sum insured
- Optional standard accidental damage
- 24 hour emergency helpline
|
- Minimum compulsory excess of £100
- Alternative accommodation cover of up to £50,000
- High risk property cover of up to 33% of your contents sum insured (a minimum of £14,000)
- Standard accidental damage included
- Home emergency cover
|
| Learn more about Essentials cover
|
Learn more about Extra cover
|
Buildings and contents insurance
What's covered by our buildings and contents insurance?
You can choose from two levels of buildings and contents cover to suit your needs, either Extra or Essentials. Whichever option you choose, you'll get the same great service from a name you can trust.
Here's some of the features of Legal & General's buildings and contents insurance.
We've also provided a list of some of the things that aren't covered. For full details please read the relevant policy documents on the bottom of this page.
| FEATURE |
ESSENTIALS COVER |
EXTRA COVER |
| BUILDINGS COVER |
Sum insured will be estimated |
Sum insured will be estimated |
| Minimum compulsory excess |
£150 |
£100 |
| Alternative accommodation |
£25,000 |
£50,000 |
| Home emergency cover |
No |
Yes |
| Trace and access |
No |
£5,000 |
| Standard accidental breakage for buildings |
Optional |
Yes |
| Extended accidental damage for buildings |
No |
Optional |
| CONTENTS COVER |
Sum insured will be estimated |
Sum insured will be estimated |
| Minimum compulsory excess |
£150 |
£100 |
| High risk property (e.g. jewellery, works of art) |
Up to 20% of your contents sum insured |
Up to 33% of your contents sum insured (a minimum of £14,000) |
| High risk single item limit |
Up to 5% of your contents sum insured (a minimum of £2,000) |
Up to 5% of your contents sum insured (a minimum of £2,000) |
| Contents in garden |
No |
£1,000 |
| Credit cards |
No |
£5,000 |
| Freezer contents |
No |
£1,000 |
| Special events |
No |
Yes |
| Standard accidental damage for contents |
Optional |
Yes |
| Extended accidental damage for contents |
No |
Optional |
What isn't covered
- The first £150 for Essentials cover or the first £100 for Extra cover of compulsory excess on each claim (or for escape of water claims, the first £250 and in the event of subsidence, heave or landslip, the first £1,000 for buildings) plus any voluntary excess if you choose it.
- Storm or flood damage to fences, gates and hedges for both Essentials and Extra cover
- Routine maintenance or wear and tear for both Essentials and Extra cover
- Money stolen from you home unless it was entered by force and violence for both Essentials and Extra cover
- Accidental damage to portable items like video cameras and hand held computer games, unless you've taken out optional contents extended accidental damage or personal possessions cover for Extra, or unless you've taken out optional personal possessions cover for Essentials
- If your home has been unoccupied for more than 60 consecutive days for Extra or 30 consecutive days for Essentials, we won't cover loss or damage caused by malicious acts, vandalism, theft, water or oil leaks, breakage of glass or sanitaryware or frost damage.
- The cost of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design if damage occurs within a clearly identifiable area or to a specific part and it is not possible to match replacements for both Essentials and Extra cover
Important information
Please note that home insurance is designed to cover certain unforeseen events and doesn't cover everything. It does not cover things like general wear and tear or damage that happens gradually over a period of time. There is also an excess on each claim.
This is just a summary, for full details of what is and isn't covered, please read our home insurance essentials key features and home insurance essentials policy document or home insurance extra key features and home insurance extra policy document.
