Get extra protection with our Additional Cover options.

At Legal & General we understand that everyone’s Home Insurance needs are different. That’s why we’ve made it really easy to add Additional Cover Options to allow you to protect your home and your belongings.  Add them to our Gold and Silver Home Insurance policies, so you can rest assured you have the level of cover that’s best for your home.

Accidental Damage

Our Gold Home Insurance includes Accidental Damage as standard. For an additional premium, you can also add this cover to your Silver Home Insurance policy. When you do, you’ll be covered for those unfortunate mishaps, such as red wine on the carpet under our Content Insurance section or an accidental foot through the ceiling when you’re looking for something in the loft under the Building Insurance section. 

Personal Possessions cover in and away from your home

Personal possessions covers loss or damage to items, both at your home and away from it. 

Cover away from the home applies anywhere in the UK and abroad. 

Choose from:
Cover away from the home - covers clothing and possessions you carry with you such as contents of handbags, mobile phones, MP3 players and jewellery. The maximum you can claim for any one item is £1,500. We also cover £500 for personal money.

Valuable items cover - this also covers items in and away from the home. You can specify individual items, such as your jewellery.

Bicycle cover - this covers you for loss or damage up to £500 per pedal cycle. We can insure cycles worth more than the limit if you provide us with the make, model and frame number.

The excess chosen under contents cover will also apply to personal possessions cover, minimum of £150. 

Family Legal Protection

Our Family Legal Protection policy gives you and your loved ones cover of up to £50,000 to pursue certain UK legal proceedings. These include the death of (or personal injury to) your family, any infringement of your legal rights from owning or occupying your home, or a breach of your employment contract. A £50 excess applies to this policy.  Please refer to policy booklet to find out more of what is and isn't covered.  

Home Emergency Cover

Home Emergency Cover is included as standard with our Gold Home Insurance and can be added to our Silver Home Insurance policy. Home Emergency covers you up to £1,000 to include call-out fees, labour costs and materials to make your home safe after an emergency such as a burst pipe or break in. 

Important Information

Please note that our home insurance is designed to cover certain unforeseen events and doesn't cover everything. It doesn't cover things like general wear and tear or damage that happens gradually over a period of time. There's also an excess on each claim.

Limitations and exclusions apply. These examples are only a brief list of your cover and exclusions. 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, on the right hand side of the page.