Legal and General Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Legal and General is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Legal and General home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Legal and General the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Legal and General’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,6 Safe overall rating for Legal and General

Safe ratingOur opinion
Customer service & satisfaction
and claims

Policy documents can be easily accessed
Which score of 69%
5 stars Defaqto rating for the Gold cover

Cover provided for your home

Gold level of cover: up to £100K alternative accommodation for building insurance
Up to £10,000 for personal possessions limit at home
Up to £150,000 worth of cover for keys and locks
Accidental damage cover is only available to the the Gold cover option
Building insurance not covering sewer pipe blockage and groundwater

Value for money

Interest free payments on both the Silver and Gold cover options
There is the option to fix insurance prices for up to 2 years
Discounts is given for combined policy
No NCD

Financial strength

Legal & General policies are underwritten by Legal & General Insurance Ltd
They are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

Technology

Live chat is available
Policy documents can be easily accessed
Quotes can be easily gotten online
24/7 claims line
Strong social media presence

Safe rating for Legal and General home insurance

Expert and customer satisfaction reviews for Legal and General home insurance

Review organisationLegal and General home insurance reviews

Defaqto expert

Silver: 4 stars
Gold: 5 stars

TrustPilot3,4/5 based on 9,816 customer reviews
Overall Which? Score

69%

Consumer satisfaction rates on reviews for Legal and General home insurance

Our general opinion on Legal and General home insurance

Legal & General was founded in 1836 and has since grown to be one of Europe’s biggest insurance groups offering a wide range of insurance products including home, travel, pet, and landlord insurance. It also offers other financial products such as mortgages, investments and retirement options.

Their insurance policies are underwritten by Legal & General Insurance Ltd, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Legal & General offers two different types of home insurance: the Silver home insurance and Gold home insurance. Both of the options include buildings and contents insurance but they can be bought as a combined policy if needed.

Legal & General offers two levels of home insurance cover: Silver and Gold. Silver is designed for those on a budget, whilst Gold has been created for those requiring more comprehensive cover. Gold includes accidental damage cover and home emergency cover as standard. Bicycle cover, cover for items away from home, cover for valuables and Family Legal Protection can be added to both policies as optional extras.

The Silver cover has a 4 star Defaqto rating while the Gold cover has a 5 star rating. Their services are recommended as their customer care service is good and they have a high financial capability to pay out claims.

What does Legal and General home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Legal and General will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Legal and General covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Legal and General buildings and contents insurance

Legal and General provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Legal and General building insuranceLimits
Maximum sum insured

Silver: £1,5M / Gold: £1,5M

Owner liability

Silver: £2M / Gold: £2M

Alternative emergency accomodation

Silver: £50 000 / Gold: £100 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

Up to £5 000 – Only available for the Gold Home Insurance Cover

Burst pipe

As standard

Blockage of sewer pipe

Not covered

Gradual build-up of groundwater

Not covered

Subsidence

As standard

Underground services

As standard

Keys cover

Up to £150 000

Flood and storm damage (except for fences)

As standard

Legal and General building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

Silver: £150 000 / Gold: £150 000

Owner liability

£2 000 000

Alternative emergency accomodation

Silver: £15 000 / Gold: £30 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden

£2 500

Contents kept in outbuildings (garage included)

Up to £150 000

Thefts from outbuildings

£2 500

Single item limit for valuables

£10 000

Items temporarily removed from home

Not covered

Money in and outside the homeInside:

£500


Outside:

£500 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

Not covered


Outside:

Not covered

Business equipment kept at home

£10 000

Student equipment

£5 000

Keys cover

Up to £150 000

Legal and General contents insurance

Legal and General home insurance additional cover

On top of your Legal and General buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra only available for the Gold Home Insurance Cover

Home emergency
  • Optional extra only available for the Gold Home Insurance Cover
  • Up to £1,000 limit per call out
Boiler cover
  • As standard
  • Up to £1,000 to cover boiler repair
  • Up to £1,000 to cover boiler replacement
  • Boiler cover is provided if not annually serviced
Legal protection
  • Optional extra only available for the Gold Home Insurance Cover
  • Up to £50,000 for legal representation
Personal possessions
  • Optional extra
  • Up to £10,000 for personal possessions cover at home
  • Up to £10,000 for single item limit away from home
  • Up to £2,000 limit for personal possessions kept in a car
Mobile cover
  • Optional extra
  • Up to £20,000 limit
Bicycle cover
  • Optional extra
  • Up to £20,000 limit

Legal and General home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£200
Excess for escape water claims£500
Excess for subsidence claims£500
Excess for personal possessions£200
Excess for keys£200
Legal and General home insurance main excess

Legal and General home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Legal and General fees are as follows:

Fees applied to manage your Legal and Generalhouse policy
Interests on payment installments0,00%
To renew my policy£0
To adjust my policy£0
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£0
For payment default£0
To switch from one insurer to Legal and GeneralNot covered
Home insurance fees at Legal and General

How much does Legal and General home insurance cost?

You will below indicative quotes for building and contents insurance at Legal and General:

Building insuranceContents insurance
Excess£200£200
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£167,33£328,33
Home insurance quotes at Legal and General

It is very difficult to give a precise range of how much exactly will your home insurance cost at Legal and General as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Legal and General will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Legal and General home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on Legal and General home insurance?

Claims can be made by phone or through the Legal and General claims form online.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Legal and General home insurance?
Claim by email[email protected]
Claim online

Claim form

Claim by phone

0370 900 5565.

How to claim on my home insurance at Legal and General

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Legal and General house insurance?

To cancel your Legal and General house insurance, here is what you need to know: 

Cancelling your home insurance at Legal and General
Cancellation notice if Legal and General cancel your policy14 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £0
Cancel by mail

Legal & General Insurance
PO Box 6984
Birmingham
B5 4BR

Cancel by phone

0370 600 227

How to cancel my Legal and General home insurance

How to contact Legal and General home insurance?

ServicesPhone numbersOpening hours
Claims

0370 900 5565.

Monday to Friday 8am to 8pm
Saturday 9am to 5pm

Policy renewal

0370 142 0004.

24/7

General Enquiries

0370 900 3110

Monday to Friday 8am to 8pm
Saturday 9am to 5pm

Domestic Emergency:

0800 408 9103

24/7

National Gas Emergency

0800 111 999

24/7

How to contact Legal and General home insurance

Legal and General home insurance contact details

Legal and General contact details
Legal and General address

Legal and General Insurance
57 Ladymead
Guildford
Surrey
GU1 1DB

Customer service email

[email protected]

Chatbot available

Virtual assistant is available on website.

Legal and General contact details

How do I log in to Legal and General customer portal?

You can login to your account on the Homepage of the Legal and General website. Click on the "Login" option and enter your details.

How do I get Legal and General home insurance quotes? 

To get a quote online at Legal and General, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Legal and General is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Legal and General home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Legal and General house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.