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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
Who is Legal & General? What does Legal & General home insurance cover? How Which? rates Legal & General's home insurance Legal & General's home insurance policy: is it good or bad? How did customers rate Legal & General's home insurance?
Does Legal & General offer different levels of home insurance cover? How much does Legal & General's home insurance cost? What is Legal & General's claims number? Who underwrites Legal & General's home insurance? Get top money-saving tips from Which?

Who is Legal & General?

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 mortgagespet insurance and Isas.

Legal & General belongs to the Legal & General Group, which is a publicly owned company, listed on the London Stock Exchange. 

What does Legal & General home insurance cover?

The information below gives an at-glance view of the key things that Legal & General's home insurance covers as standard.

Elements marked with a are covered as standard and those marked with a are not covered as standard. However, these can be added to a policy as optional extras for an additional cost.

 

 Home emergency

 

Home emergency cover provides assistance of central heating, electrical emergencies, plumbing or draining issues.

 

 Burst pipes

 

Covers the cost of repairing burst pipes in your property.

 

 24 hour (emergency) helpline

 

Allows you to call a 24-hour helpline for assistance in the case of a home emergency.

 

 Loss and theft of keys

 

Allows you to call a 24-hour helpline for assistance in the case of a home emergency.

 

 Garden cover

 

Garden cover protects against damage to items in your garden including plants and garden furniture.

 

 Accidental damage

 

Accidental damage protects against sudden and unconventional physical damage to the structure of your property as well as your furniture and belongings.

 

 Personal possessions

 

Personal possessions cover protects your portable belongings while you’re outside of your property.

 

 

Legal expenses

 

Legal expenses cover the cost of legal expenses should you need to pursue legal action against another party.

How Which? rates Legal & General's home insurance

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

We survey thousands of real home insurance customers to find out how they rate their insurer for customer satisfaction.

We also analyse and rate 60 different elements of contents and buildings insurance to create policy scores, helping you judge the quality of your cover - and how an insurer compares to its peers.

We combine this into an overall score to highlight the insurers that offer great cover and service.

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

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?

In February 2019, we analysed and rated 60 of the 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. Each element is given a star rating, out of five.

Overall, 51 out of the 60 elements policy elements we analysed in Legal & General's home insurance earned a 3-star rating or higher.

A whopping 32 policy elements were given a full 5-star rating and 18 were given a 3-star, which indicates an above average level of cover.  

Best parts of Legal & General's home insurance policy

We’ve identified three standout features in Legal & General’s home insurance policy

  • Home emergency cover is included as standard, which we scored a full 5 stars
  • 0% APR on monthly payments, which earned 5 stars
  • An excess of £500 for subsidence claims, which scored 5 stars

Worst parts of Legal & General's home insurance policy

We've identified three features in Legal & General's home insurance policy which scored poorly:

  • Blockage of sewer pipes isn't covered, which earned 0 stars out of 5
  • No claims discount protection isn't offered, which scored 0 stars
  • Up to £2,000 cover bicycle away from home, which earned 2 stars

In detail: every part of Legal & General's home insurance rated

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

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

To see how Legal & General's home insurance compares to other policies check out our guide on the best and worst home insurance.

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 feel about it too.

Which?'s rating for customer satisfaction is 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.

Overall, Legal & General's home insurance scored 69% for customer satisfaction, placing it 22nd out of the 34 home insurers we looked at.

Customers scored Legal & General's three stars across the board which includes areas like 'clarity of policy', 'application process' and 'dealing with complaints'. 

The table below shows how Legal & General's home insurance scored for eight elements of customer satisfaction.

Customer satisfaction element Which? Customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Transparency of charges/penalties Logged out padlock
Dealing with complaints Logged out padlock
Experience of making a claim Logged out padlock
Value for money Logged out padlock

 

Does Legal & General offer different levels of home insurance cover?

The scores shown in this review relate to Legal & General's standard Silver Home Insurance policy. If you would like to take out home insurance with the Legal & General but need more cover, you could opt for the Legal & General Gold Home Insurance policy.

This policy offers:

  • Accidental damage included as standard
  • Up to £5,000 for garden contents 
  • Legal expenses covered as standard

Due to the increased level of cover, this policy is likely to be more expensive than its standard home insurance policy.

How much does Legal & General's home insurance cost?

Your contents insurance and buildings insurance will be priced based on your own personal circumstances, where you live and the type of property and contents you own.

Legal & General allows you to gather quotes on its own website at www.legalandgeneral.com/home-insurance/.

But you can also compare the Legal & General's home insurance on the following price comparison sites:

  • Comparethemarket.com
  • Moneysupermarket.com

Check out our guide for more information on how home insurance add-ons, fees and charges affect the price of your home insurance.

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.

The acid test of any home insurance provider is how it handles your claim. In January 2019, Which? surveyed 1,456 members of the general public about their experiences using a major home insurance provider.

Legal & general scored 63%, placing it 19th out of 21 home insurers. It scored three stars for its 'customer service', and two stars for 'how they communicate on claim progress'. 

Find out how it compared to other insurers in our guide on making a home insurance claim

Who underwrites Legal & General's home insurance?

Legal & General's home insurance is underwritten by Legal & General except for the Home Emergency section underwritten by Inter Partner.

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