We understand that your personal belongings can have great value to you and your family. We also know that what may seem like small items can really add up. Your furniture, kitchen appliances, curtains, bedding, clothing, laptops and jewellery all need to be protected.

Legal & General’s Home Contents Insurance is Defaqto rated. Defaqto are a leading UK independent financial information business, specialising in rating, comparing and analysing financial products.

What is Contents Insurance?

Contents Insurance covers your belongings within the home like clothes, furniture, curtains and kitchen appliances. One way of thinking about it is, that it includes everything you'd take with you if you moved to a new house. It should cover you against events like fire, flood and theft.

You can rest assured that with us, your possessions are protected from life’s unfortunate events, such as theft, fire, flood, loss or damage.

Who needs Contents Insurance?

Just think about all the things in your home, which are not part of the building. That means all of your furniture and personal belongings, whether you own or rent. If you want to protect these from events such as, fire, storm, flood, escape of water and theft then you need Contents Insurance.

If you own your own home you also need to consider Buildings Insurance to protect the structure of your property.

What does Contents Insurance cover?

It’s surprising how much your belongings can be worth when you add them all up, that’s why both our Gold and Silver Contents policies allow you to select either £60,000 or £80,000 worth of cover, to suit your needs. 

Choose the right policy:

Contents sum insured ? Select £60,000 or £80,000 Select £60,000 or £80,000
Accidental Damage Included Optional
High risk items ? £20,000 £10,000
High risk single article limit ? £2,500 £2,500
Contents in the garden ? Up to £1,000 Not Included
Personal money in the home  Up to £500 Up to £100
Freezer contents ? Up to £1,000 Not Included
Bicycles in the Home Included Not Included
Theft from outbuildings ? Up to £3,000 Up to £1,000

Enhancing your cover

We understand that everyone’s needs are different. Both our Gold and Silver policies let you enhance your cover with useful add-ons for an additional premium.

Our Gold policy includes Accidental Damage and Home Emergency Cover* as standard. With the option to add Cover Away from the Home, Bicycle Cover, Valuable Items Cover and Family Legal Protection.

You can choose to add additional cover like Accidental Damage, Home Emergency Cover*, Cover Away from the Home, Bicycle Cover, Valuable Items Cover and Family Legal Protection to our Silver policy.

For more details take a look at our Additional Cover Options

What isn't covered by our Contents Insurance

  • Your chosen excess will apply on each claim (minimum £150).
  • For Escape of Water claims your chosen excess plus £200 will apply.
  • Money stolen from your home unless it was entered by force and violence.
  • Bicycles stolen from your home, unless it was entered by force and violence (covered by Gold policies only).
  • If your home has been unoccupied for more than 60 consecutive days, we won't cover loss or damage caused by malicious acts, vandalism, theft, water or oil leaks.
  • The cost of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design if damage occurs within a clearly identifiable area or to a specific part and it is not possible to match replacements.
  • *Tenants are not eligible for Home Emergency cover.

These are only examples of the cover, limits and exclusions that apply. Every insurance policy including ours, will have limitations and exclusions so it's vital that you check what's included before you purchase.  For more details of what is and isn't covered, please read the policy summaries and booklets, which can be found in the Key Documents section.

What our customers say

Our Contents Insurance is highly rated by the people who matter most – our customers. To find out what they think, read their reviews.