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