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Legal & General home insurance review

Read Which?'s expert review of Legal and General's home insurance policies, find out how we rate Legal and General's contents and buildings insurance and how it compares to dozens of other home insurance companies.

In this article
Legal & General home insurance overview Legal & General's home insurance policy: is it good or bad?
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Legal & General home insurance overview

Legal & General was formed in 1836 and has been insuring homes for more than 90 years. 

It offers two home insurance policies - Gold and Silver - which are underwritten by Legal & General, except for the Home Emergency section underwritten by Inter Partner Assistance SA (IPA), owned by the AXA Assistance Group.

What you need to know about Legal & General's home insurance:

  • No interest charged on payment by instalments
  • TV or video accidental damage covered as standard
  • Discount if you take out both buildings and contents cover

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Home And Mobile Insurance
Legal & General Review
Overall Which? score
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.
Which? Customer Score
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Buildings policy score
Which?'s rating of the quality this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.
Contents policy score
Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.
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Legal & General's home insurance policy: is it good or bad?

We analyse and rate the 60 most important elements of standard home insurance policies to come up with the overall policy score. We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. 

Initially, we score all the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We then apply weightings to the higher and lower element scores to enhance/reduce their impact on the overall product score.

Table last updated in February 2019. Next updated in February 2020.

Policy elements Details Rating Area covered
Interest charged on payment by installments (APR) Logged out detail Logged out stars Buildings and contents
Renewal fee (£) Logged out detail Logged out stars Buildings and contents
Home emergency cover - standard, optional, not covered? Logged out detail Logged out stars Buildings and contents
Home emergency cover (£) Logged out detail Logged out stars Buildings and contents
Owner's / Occupier's liability (£) Logged out detail Logged out stars Buildings and contents
Accidental damage cover - standard, optional, not covered? Logged out detail Logged out stars Buildings and contents
Subsidence - standard, optional, not covered? Logged out detail Logged out stars Buildings only
Alternative accommodation (£) Logged out detail Logged out stars Buildings only
Burst pipes - standard, optional, not covered? Logged out detail Logged out stars Buildings only
Blockage of sewer pipe - standard, optional, not covered? Logged out detail Logged out stars Buildings only
Single item limit for valuables - max limit (£) Logged out detail Logged out stars Contents only
Contents in the open - within home boundary i.e. garden (£) Logged out detail Logged out stars Contents only
Contents in outbuildings - including garages (£) Logged out detail Logged out stars Contents only
Theft from outbuildings (£) Logged out detail Logged out stars Contents only
Personal Possessions - standard, optional, not covered? Logged out detail Logged out stars Contents only
Personal Possessions limit within a car (£ Logged out detail Logged out stars Contents only
Bicycles - standard, optional, not covered? Logged out detail Logged out stars Contents only
Mobile phones (away from home) - standard, optional, not covered? Logged out detail Logged out stars Contents only
Does mobile phone cover include calls? Logged out detail Logged out stars Contents only

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