Legal & General home insurance overview
Established in 1836, Legal & General has been providing home insurance in the UK for over 90 years. As well as home insurance, legal & General offer a range of other financial products including mortgages, pet insurance and Isas.
Legal & General home insurance is underwritten by Fairmead Insurance Limited.
- Read our reviews of all the insurers who took part in our home insurance analysis
Does Legal & General offer the best home insurance?
Here's how Legal & General scored in our latest home insurance survey:

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse home insurance
We analyse and rate 48 key elements of standard buildings home insurance policies to come up with the buildings policy score and 67 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.
Legal & General's Smartquote Silver home insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
In detail: every part of Legal & General's Smartquote Silver home insurance rated
Table last updated in March 2020. Next update in February 2021.
Does Legal & General offer different levels of home insurance cover?
Legal & General also offers Smartquote Gold home insurance, which features a higher level of cover.
How did customers rate Legal & General's home insurance?
As well as looking at how Legal & General's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.
Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.
How Legal & General's home insurance scored for seven elements of customer satisfaction
Table last updated in March 2020. Next update in February 2021.
"-' represents where we have insufficient sample size (less than 30) to generate a star rating
What is Legal & General's claims number?
If you need to make a claim with Legal & General home insurance call 0370 900 5565.
According to the Legal & General, you'll be asked for details about your claim, what happened and any actions you've taken so far including whether or not you've made. and when it happened, and what action you've taken so far.
Then you'll be asked what you're claiming for and the approximate cost involved.
Find out more about claiming successfully in our guide to making a home insurance claim.
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