What's it for?
It covers the loss of or damage to the contents of your home. For properties that have no more than five bedrooms, standard levels of cover through Legal & General start at £15,000, followed by £40,000, £50,000, £60,000, £70,000, £85,000 and £100,000. If these levels are not suitable or if a property has more than five bedrooms, we may still be able to offer insurance through the Select option. In the event of a claim, you pay the first £100 for each and every claim or in the event of escape of water, an excess of £250. Customer satisfaction is at the heart of Legal & General's claims service and they always listen to what their customers say.
Keeping costs down
If you have held insurance before and have not claimed on the policy then you might qualify for a no claims discount. You can also get reduced rates if you combine contents and buildings insurance or if you select a voluntary excess.
Additional cover options
For added peace of mind you can extend your cover, for an additional premium, to include the following.
- Extended accidental damage - covers accidents such as spilling red wine on your carpet or breaking a favourite ornament.
- Personal possessions in and away from the home - Covers personal possessions in and away from the home anywhere in the UK as well as for up to 60 days each insurance year anywhere in the world.
- Family legal protection cover up to £50,000 - Covers the costs of pursuing or defending certain legal proceedings in the UK.
This is only a summary of cover. Limitations and exclusions apply. Please see the Home Insurance Choices Policy Booklet for full details, this is available on request.
For insurance business we arrange policies exclusively from Legal & General.