Legal & General Home insurance UK

This is a specialist page for Legal & General home insurance. Disclaimer The following details are not an endorsment of Legal & General home insurance; we encourage you to shop around before you choose your home insurance provider.

Legal and General Home Insurance

With home insurance from Legal & General, you could save up to £115. (Based on online independent research, 10% of new buildings and contents customers could save up to £115 online. Source: Consumer Intelligence, July 2011).

Legal & General say: ...

At Legal & General, we understand that not everyone wants the same thing from their home insurance. That's why we've developed home insurance that offers you a choice of cover. Choose from Extra or Essentials and get something different - home insurance that revolves around you. So depending on your needs, you can personalise your cover - here online.

Cover more with Home Insurance Extra.

If you've built up your home and possessions and want to protect the things that matter to you, Extra provides you with more comprehensive cover against a wider range of risks than our Essentials product.

The cover offered by Extra might be suitable for you if:

• you want 24 hour call out for home emergencies
• you would like the option to be covered for extended accidental damage. This covers mishaps like banging a nail through a pipe or putting a foot through the ceiling (buildings). Or spilling red wine on your carpet (contents).

Extra cover includes:

• contents in garden- up to £1,000
• home emergency cover - up to £150
• trace and access - up to £5,000
• freezer contents - up to £1,000

Pay less with Home Insurance Essentials.

Cover the basics - the important essentials like fire, flood and theft. You'll be able to enjoy the lower cost of the Essentials cover if

• you're happy to agree a higher excess than with our Extra cover

• you don't mind not having the option for extended accidental damage for buildings and contents.

Essentials cover includes:

• theft of personal money in the home - up to £100
• replacement locks if keys stolen - up to £500
• theft from outbuildings - up to £1,000
• 24 hour emergency helpline

Important information

This is a brief summary of the cover provided. For full details of what is and isn't covered, please read the key features and policy document which are available online at www.legalandgeneral.com/home-insurance

Item	Essentials Product	Extra Product
Online discount	Legal & General's best price is always online	Legal & General's best price is always online
No claims discount	Yes	Yes
Pay monthly available	Yes - APR 16.6%	Yes - APR 16.6%
Home emergency cover - buildings	No	Up to £150
Contents temporarily removed from home cover	No	Up to 15% of contents sum insured (min £7,000 except for a student's limit which is £5,000)
Personal money in the home	Up to £100	Up to £500
Credit card cover - if you suffer a loss from credit card fraud	No	Up to £5,000
Cover for downloaded computer files	Up to 20% of contents sum insured	Up to 33% of contents sum insured (min £14,000)
Freezer contents cover	No	Up to £1,000
Standard excess	£150	£100
Escape of water excess	£250	£250
Subsidence excess - buildings	£1,000	£1,000
Max bedrooms	9	9
Buildings sum insured	Sum insured is estimated. However, this amount can be changed, if required.	Sum insured is estimated. However, this amount can be changed, if required.
Contents sum insured	Sum insured is estimated. However, this amount can be changed, if required.	Sum insured is estimated. However, this amount can be changed, if required.
24 hour helpline for domestic emergencies and legal help	Yes	Yes
Standard Accidental damage - to TVs, computers and stereos. Includes accidental breakage of mirrors, fixed glass in furniture and bathroom suites	Additional cover option	Yes
Extended accidental damage - to cover accidents like banging a nail through a pipe or spilling red wine on your carpet	No	Additional cover option

To get an instant quote for your home insurance from Legal & General follow the link above. You can then return to this page and compare the quote you get with other quotes offered by the other insurance sites listed in our Price Survey. This is a regular survey of the main online insurance sites in the UK to see which ones are cheapest. It shows most of the sites you might want to visit for a cheap home insurance policy in the UK. The sites included offer a good selection of the rates generally available and are easy enough to use. Some are big household name insurance companies such as DirectLine and Norwich Union, while others are small dedicated online insurance specialists or online offerings from existing intermediaries.