Legal & General Buildings and Contents Insurance

Legal & General sets your home insurance premium for 2 years, so if you don`t make a claim, your premium won`t increase when you renew. If you made a claim during the insurance period, you will have to pay the full annual premium and will not receive a refund. Covers the physical structure of your home as well as content no. As with most home insurance, we do not cover loss or damage to your home or its contents due to maintenance, wear and tear or damage that gradually occurs over time. We work with the government and participate in a not-for-profit flood reinsurance, known as Flood Re, to support households at highest risk of flooding and develop a different way of dealing with flood insurance. You are also covered for court defense costs, such as: Use our life insurance calculator to find out how much coverage you need. If you need coverage for two addresses, we can cover both properties and also cover your contents during the move, provided we currently insure the address from which you are moving. Home insurance is designed to cover certain unforeseen events, such as loss or damage caused by incidents such as storm fires or theft. But it doesn`t cover everything. For example, it does not cover general wear and tear or damage that occurs gradually over a period of time.

To learn more about what is and isn`t, see your insurance product backgrounder and insurance brochure. Our Home Cover Extra policy covers bicycles as part of the contents of the home, garage and residential buildings – limitations and exclusions apply. www.legalandgeneral.com/home-insurance/flood-re/ Our Gold policy includes this coverage as standard and for an additional premium, you can add Family Legal Protection coverage to your Silver policy, where you are insured for the cost of certain legal proceedings, such as: Legal & General has three additional options that you can add to your policy. Choose personal belongings coverage to protect your items when you`re away from home, such as a phone, iPad, or jewelry in case of loss or damage. Choose accidental damage to cover unfortunate incidents that occur in your content or building. This level of coverage is included in Gold Home Cover, but it is an additional option for the Silver Home Cover option. Family legal protection provides you and your dependents with some cover to pursue certain court cases in the UK. As before, this addition is already included in Gold Home coverage, but it is an optional addition to Silver Home coverage. Extra and Essentials are our existing construction and content policies purchased prior to August 14, 2017 (these products were available after that date if purchased on a comparison site). Our building insurance covers loss or damage to the structure of your home and residential buildings (such as sheds, garages and greenhouses). These include walls, fixed furniture, gates and fences, walkways and terraces. If you own your own home, you are generally expected to insure the buildings.

If you rent your home or have a lease, the landlord or landowner is usually responsible for insuring the property. Legal and General offers combined building insurance, household insurance and building and content insurance. Choose from two levels of coverage; Our building insurance covers loss or damage to the structure of your home, such as walls, fixed furniture, gates and fences, walkways and terraces within the borders of your country. Residential buildings such as sheds, garages and greenhouses are also covered (garages and outbuildings used for commercial purposes other than office buildings are not included). If you bought your policy through a comparison site such as Moneysupermarket or Compare the Market, you have our Extra or Essentials home insurance. If you need insurance for individual items over £1,500, these must be declared as part of our valuables cover. From information on different types of life insurance to articles on how to take care of your health and wellbeing, check out our wide range of articles and guides. Your mobile phone may be covered by the policy content area, but if it is lost or stolen outside the home, you will need to fill out the Coverage section away from home. We won`t cover your phone if it gets lost in your home. If you opt for our Home Cover Extra policy, we will cover your child`s contents for certain events when you are away from home at university, up to £5,000, provided you intend to return the items to the family home. Limitations and exclusions apply, please refer to your policy documents. The sum insured should be sufficient to cover the cost of replacing all your contents and personal belongings as new.

You can choose £60,000 or £80,000 depending on your needs. Tenants are not eligible for residential emergency coverage, either for the gold or silver policy. Learn more about accessing your policy documents in My Account. Gold and silver are our new building and content products purchased from us on or after August 12, 2018 or renewed with us on or after September 15, 2018: Please note that you should not provide any personal, financial or banking information when sending emails, as email is not a secure method of communication. Our daily home insurance policy does not cover bikes inside the house. We no longer mention mortgage lenders as interested parties or co-policyholders in our home insurance policies. If you have an insurance number that starts with DUESS or DUXRA, please call: 0370 900 3110. We do not cover professional use at home unless it is pure paperwork, computer work or phone calls. This cover is included in our Home Cover Extra policy up to £5,000 with building cover, but is not available with our Everyday Home Cover policy. For more information on what is covered and what is not, please read our policy brochure, which can be found in the Key Documents section. Limitations and exclusions apply.

You must register to view your documents here Sometimes life can be unpredictable, but we`re here to help you plan for the unexpected. We know that sometimes things can go wrong. Our top priority is to provide you with the highest level of customer service. If there is a problem, please let us know and we will try to find a solution as soon as possible. The lines are open: 8am – 8pm Monday to Thursday8am – 6pm FridaySaturday and Sunday closedWe are closed on public holidays. The deductible is the amount you have to pay for each individual claim. Your insurance documents are proof of your insurance coverage of the building. Choose from the drop-down menus below to find full contact and support information. If you own your own home, you should have building insurance. If you rent your home or have a lease, the landlord or landowner is usually responsible for insuring the property. Ask us a question about your product or choose a topic and we`ll direct you to our full list of smart FAQs. To get to the right place, please select the type of policy you have: find out how to make a claim on your existing policy or read our FAQ.

Vulnerability has many factors. We can all find ourselves in a vulnerable situation from time to time. We take care of our customers and their loved ones, that`s why we`re there when you need us. Here are some of the questions we are often asked about our Everyday Home Cover and Home Cover Extra products. Find out how much life insurance can cost for people over 50 and what payment you can get using a number of sample profiles. If you have changed your name, we ask you to send the original documents, which can be in the form of a marriage certificate, a valid passport or a certificate. Visit our contact homepage to find the support section you are looking for. When you purchase our home coverage, you can also customize your policy with additional insurance options, such as: Call fees vary.