Legal & General home insurance review
Read our review of Legal & General's Silver and Gold home insurance.

What’s more, existing customers that don’t make a claim in the first year can enjoy premiums that won’t increase for the second year. Here’s what else we think you should know about Legal & General.
Legal & General was founded in 1836 and has developed into one of Europe’s biggest insurance groups offering a wide range of insurance products including home, travel, pet, homeshare and landlord insurance. It also offers other financial products such as mortgages, investments and retirement options.
Legal & General offers two different types of home insurance. These are Silver home insurance and Gold home insurance.
Both of these options include buildings and contents insurance. However, buildings insurance and contents insurance can also be bought separately or combined as needed.
Cover features | Silver home insurance | Gold home insurance |
---|---|---|
Buildings sum insured | £1.5 million | £1.5 million |
Accidental damage cover | x | Yes |
Trace and access of leaks | x | Up to £5,000 |
Property owners’ liability | Yes | Yes |
Contents sum insured | £150,000 | £150,000 |
Up to £30,000 for high-risk items | Maximum of £10,000 per item | Maximum of £10,000 per item |
Up to £10,000 business equipment | Yes | Yes |
Theft from outbuildings | Up to £2,500 | Up to £5,000 |
Freezer food | Yes | Yes |
Bicycles at home | Yes | Yes |
Occupier’s liability to third parties | Up to £2 million | Yes |
Home emergency cover | x | Up to £1,000 |
Family Legal Protection | x | Yes |
Check your policy document carefully to ensure you have the correct cover for your needs.
Legal & General offers a range of additional protection to bolt onto your home insurance policy, including:
Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.
You’ll find details about your excess in your policy document.
There are a number of factors that can affect the cost of your Legal & General home insurance premium, including:
The cover option you choose. Enhancing your buildings, contents and combined cover policies with optional extras will provide more features and broader cover than Legal & General’s standard cover options, which will likely be reflected in the price.
You should call the 24-hour Legal & General claims line on 0370 900 5565. Alternatively, you can make a claim online on the Legal & General website.
It’s worth having the following information to hand when making a claim:
It’s vital that you let your insurer know about an incident as soon as possible. Failure to do this could result in a rejected claim later on.
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