Legal and General Home Insurance: A Comprehensive Review
If you are looking for a reliable and affordable home insurance provider, you may have come across Legal and General, one of the largest insurance groups in Europe.
Silver Home Insurance
Silver home insurance is Legal and General's basic level of cover, which includes buildings and contents insurance. Buildings insurance covers the structure of your home and its permanent fixtures and fittings, such as walls, roofs, windows, doors, pipes, cables and kitchen units.
Legal and General offers two types of home insurance: Silver and Gold. In this article, we will review the features, benefits and drawbacks of each option, and help you decide which one suits your needs best.
Silver Home Insurance
Silver home insurance is Legal and General's basic level of cover, which includes buildings and contents insurance. Buildings insurance covers the structure of your home and its permanent fixtures and fittings, such as walls, roofs, windows, doors, pipes, cables and kitchen units.
Contents insurance covers your personal belongings and household items, such as furniture, appliances, clothes, jewellery and electronics.
The main features of Silver home insurance are:
Gold Home Insurance
The main features of Silver home insurance are:
- Buildings sum insured up to £1.5 million
- Contents sum insured up to £150,000
- Up to £10,000 for business equipment
- Theft from outbuildings up to £2,500
- Freezer food cover
- Bicycles at home cover
- Property owners' liability up to £2 million
- Occupier's liability to third parties up to £2 million
- No accidental damage cover for buildings or contents
- No trace and access of leaks cover
- No home emergency cover
- No family legal protection cover
- No personal possessions cover for items away from home
Gold Home Insurance
Gold home insurance is Legal and General's premium level of cover, which includes buildings and contents insurance plus some additional benefits. Gold home insurance has all the features of Silver home insurance, plus:
Personal Possessions Cover
Personal possessions cover is an optional extra that you can add to your Silver or Gold home insurance policy. Personal possessions cover protects your valuable items that you take outside your home, such as jewellery, watches, cameras, laptops, mobile phones and bicycles. Personal possessions cover also covers your items when you travel abroad.
The main features of personal possessions cover are:
Can be concluded that Legal and General is a reputable and trusted home insurance provider that offers two levels of cover: Silver and Gold. Both options include buildings and contents insurance, but Gold also includes accidental damage cover, trace and access of leaks cover, home emergency cover and family legal protection cover.
- Accidental damage cover for buildings and contents
- Trace and access of leaks cover up to £5,000
- Theft from outbuildings up to £5,000
- Home emergency cover up to £1,000
- Family legal protection cover
- Buildings sum insured up to £1.5 million
- Contents sum insured up to £150,000
- Up to £10,000 for business equipment
- Up to £30,000 for high-risk items (maximum of £10,000 per item)
- Freezer food cover
- Bicycles at home cover
- Property owners' liability up to £2 million
- Occupier's liability to third parties up to £2 million
- Higher premium than Silver home insurance
- No personal possessions cover for items away from home
Personal Possessions Cover
Personal possessions cover is an optional extra that you can add to your Silver or Gold home insurance policy. Personal possessions cover protects your valuable items that you take outside your home, such as jewellery, watches, cameras, laptops, mobile phones and bicycles. Personal possessions cover also covers your items when you travel abroad.
The main features of personal possessions cover are:
- Cover for loss or damage caused by theft, fire, flood or accidental damage
- Cover for items up to £2,500 each (higher limits available on request)
- Cover for cash up to £500
- Cover for credit cards up to £1,000
- Additional cost on top of your Silver or Gold home insurance premium
- Excess applies for each claim (usually £100)
- Some exclusions apply, such as wear and tear, mechanical breakdown or damage caused by pets
Can be concluded that Legal and General is a reputable and trusted home insurance provider that offers two levels of cover: Silver and Gold. Both options include buildings and contents insurance, but Gold also includes accidental damage cover, trace and access of leaks cover, home emergency cover and family legal protection cover.
You can also add personal possessions cover to either option if you want to protect your valuable items away from home.
To find out more about Legal and General's home insurance products, visit their website at https://www.legalandgeneral.com/insurance/ or call them on 0370 900 3110.
To find out more about Legal and General's home insurance products, visit their website at https://www.legalandgeneral.com/insurance/ or call them on 0370 900 3110.
Youtube can also get a quote online or compare their policies with other providers on https://www.finder.com/uk/home-insurance/legal-general.
