Save up to 38% on home insurance

• 20% discount for three or more years' no claims
• 15% discount when you buy your home insurance online
• 10% discount when you insure buildings and contents together on the same policy

Because discounts are applied consecutively to our standard rates, your maximum saving could be 38.8%.

10 great reasons to choose Legal & General home insurance

When you take a buildings and contents policy with us, you get all these great benefits:

• Excellent customer service - from our UK based call centres
• Efficient claims service - 80% of our customers rated us eight out of ten or above for overall satisfaction on our claims service (Interviews conducted on a continual rolling basis approximately 200 per month over six months)
• 24 hour help and advice - with our legal and domestic emergency helplines
• Home emergency - cover is included as standard with your home insurance and covers call out fees, labour costs and materials for certain emergencies, such as a burst pipe or central heating failure (up to £150)
• Premium waiver – so you don’t have to pay home insurance premiums for up to 12 months if you become unable to work through an accident, sickness or unemployment
• Special events cover – we’ll automatically increase your contents sum insured by 10% in the run up to special events like Christmas or wedding
• Contents away from home – gives cover for contents temporarily removed from your home. So for example, this would cover students’ belongings while they are living away
• Cover for locks and keys – if your house keys are stolen, we’ll pay up to £500 for replacement locks and keys
• Credit cards cover – your cards are automatically covered for up to £5,000 fraudulent use
• Tailor your home insurance – choose levels of cover to suit you, so you only pay for what you need

Buildings insurance

Our buildings insurance covers your home against all the major risks such as fire, storm, flood and subsidence. It also covers other causes of damage from theft or vandalism and damage to your property caused by vehicle collision.

Buildings insurance covers not only the main building and its outbuildings, but also things such as walls, paths, pipes and fixtures such as the bathroom suite and fitted kitchens.

This policy provides cover up to a limit of £500,000 to repair or rebuild the property in the event of a claim. If this limit is not suitable, or if you have over five bedrooms, please call us for a quote on 0800 027 7161. We may record and monitor calls.

What’s covered by our buildings insurance?

We are proud of our great customer service and the value our cover offers. Here are the main things that are included as standard with our buildings insurance. For full details please read the Home Insurance policy (PDF 384) and Home Insurance policy key features (PDF 100KB) document.

Buildings insurance - what's included	Covered?	Limit
Loss / damage from fire, storms, floods, falling trees, theft, attempted theft, malicious acts or vandalism
Subsidence, heave or landslip
Home emergency cover - for call out charges, labour and parts for certain emergency repairs for example burst pipes or blocked toilet		Up to £150
Escape of water and leakage of oil
Accidental breakage of fixed glass and sanitaryware
Accidental damage to underground pipes or cables serving your home
Cost of alternative accommodation should you need to move out of your home temporarily as a result of an insured event		Up to £50,000
Trace and access cover – covers the cost of tracing the source of leaked water or oil and repairing damage caused during the investigations		Up to £5,000
Domestic emergency helpline - a 24 hour helpline if, for example, a pipe bursts or a drain blocks. We'll find you a suitable local tradesperson
Legal helpline – for expert advice on all kinds of domestic legal problems, you can call our 24 hour helpline

What isn’t covered by our buildings insurance?

• the first £50 of each claim (or, in the case of subsidence, heave or landslip, the first £1,000)
• storm or flood damage to fences, gates and hedges
• routine maintenance or wear and tear
• if your home has been empty for more than 40 days, we won’t cover loss or damage from malicious acts, vandalism, theft, water or oil leaks, breakage of glass or sanitaryware, frost damage to any washing machine, dishwasher or plumbed in domestic water or heating installation

For a full list of what is and isn’t covered and details of cover limits please refer to the Home Insurance policy (PDF 384KB) document.

Contents insurance

Contents insurance includes most things that you would usually take with you if you move home, such as furniture, furnishings and personal belongings. You should insure your contents for what it would cost to replace them with new items, not their second hand value.

If you're not sure how much to insure all your possessions for, you can use our handy interactive contents calculator.

Our quote will be based on a sum insured limit of £40,000. However, if this is not enough to replace all your contents, you can select up to £60,000. Please call us for a quote on 0800 027 7161 if the limits are not suitable or if you have over five bedrooms. We may record and monitor calls.

What’s covered by our contents insurance?

As well as great discounts and excellent service, you can be sure we don’t skimp on cover. Here are some of the things that are included as standard with our contents cover. For full details please read the Home Insurance policy (PDF 384KB) or Home Insurance policy key features (PDF 100KB) document.

Contents cover - what's included	Covered?	Limit
Loss / damage from fire, storms, floods, falling trees, theft, attempted theft, malicious acts or vandalism
Escape of water and leakage of oil
New for old (except for clothing more than two years old)
Accidental damage to computers, TVs and stereos
Accidental damage to breakage of fixed glass and mirrors
Cost of alternative accommodation should you need to move out of your home temporarily as a result of an insured event		Up to 25% of sum insured
Replacement locks and keys up to £500 if your keys are stolen		Up to £500
High risk property such as computers, watches jewellery and works of art.		Up to 33% of sum insured in total and 5% of contents sum insured for any one article, pair or set
Business equipment cover – this includes computers, printers, fax machines and other office equipment and furniture		Up to 10% of contents sum insured.
Freezer contents		Up to £500
Fraudulent use of credit cards		Up to £5,000
Property in the open within the boundaries of your home		Up to £1,000
Property in garages and domestic outbuildings		Up to 10% of sum insured for theft or attempted theft
Personal money in the home		Up to £500
Contents temporarily removed from your home – covering possessions you carry with you. For example for students' belongings while they are living away from home		Up to 15% sum insured
Special events cover – a temporary increase of your contents sum insured during the period of one month before and one month after a special event		Up to 10% extra sum insured
Domestic emergency helpline - a 24 hour helpline if, for example, your roof is damaged or a pipe bursts. We'll find you a suitable local tradesperson
Legal helpline – for expert advice on all kinds of domestic legal problems, you can call our 24 hour helpline

What isn’t covered by our contents insurance?

• the first £50 of each claim
• wear and tear
• if your home has been empty for more than 40 days when the damage happens, we won’t cover loss or damage from malicious acts, vandalism, theft or water and oil leaks
• money stolen from your home unless it was entered by force
• accidental damage to portable items like video cameras and hand held computer games, unless you’ve taken out extended accidental damage or personal possessions cover
• any more than 10% of your total contents sum insured for losses from your garage or domestic outbuildings from theft or attempted theft

For a full list of what is and isn’t covered and details of cover limits please refer to the Home Insurance policy (PDF 384KB) document.

Additional Cover Options

For an additional premium you can choose to add the following cover options to your home insurance:

Extended accidental damage – buildings

If you’re worried about accidents in your home like banging a nail through a pipe or putting your foot through the ceiling whilst in the loft, you might be interested in including our extended accidental damage cover.

Extended accidental damage – contents

Extend your contents insurance to include damage such as spilling red wine on your carpet or breaking a favourite ornament.

Personal possessions

Personal possessions insurance is designed to cover loss or damage to items that you take out of your home, but also covers them while in the home. Cover away from home applies anywhere in the UK and for up to 60 days elsewhere in the world, during each year you are insured. Choose from:

• Unspecified personal property – covers clothing and possessions you carry with you such as contents of handbags, mobile phones, cameras, MP3 players and jewellery. The maximum you can claim for any one item is £1,500
• Personal money – automatically included up to £500 if you choose cover for personal property
• Pedal cycles – covers your bicycles up to a maximum of £500 per cycle. If the value exceeds this amount additional information will be required
• Specified items – choose this if you want to cover individual items that are worth more than £1,500

For full details of what is and isn’t covered under our personal possessions cover, please refer to the Home Insurance policy (PDF 384KB) document.

Family legal protection

Gives you and your family protection of up to £50,000 to pursue or defend certain legal proceedings such as:

• the death of or personal injury to you or your immediate family
• buying or hiring goods or services for your own personal use
• any infringement of your legal rights from owning or occupying your home
• a breach of your employment contract

Our 15% online discount does not apply to this option. Claims will be handled for us by Capita Insurance Services, part of Capita Commercial Services Limited.

For full details of what is and isn’t covered under our family legal protection cover, please refer to the Home Insurance policy (PDF 384KB) document.