Buildings and Contents Cover
Legal & General's Home Insurance Choices
As well as providing cover for all of the normal insurable events you would expect such as fire, flood, storm, theft, vandalism, escape of water and subsidence, Legal & General's buildings and contents cover also includes as standard:
- 24 hour domestic emergency helpline - to help you find a reputable tradesman in the event of emergencies such as burst pipes, blocked drains, or roof damage, or even if you simply want to find a decorator or electrician.
- Home Emergency Cover - up to £150 worth of cover for cover call-out fees, labour costs and materials needed to make your home safe and secure.
- Cover for business equipment and furniture within the home including computers, photocopiers and telecommunication equipment.
- Accidental damage cover to computers, TV's, stereo equipment and accidental breakage of fixed glass in furniture and mirrors. Accidental damage to underground pipes or cables serving your home and accidental breakage of fixed glass and fixed sanitaryware.
- Trace and Access - the costs of tracing the source of a water or oil leak up to £5,000
The policy also includes as standard under the Contents section:
- Loss from fraudulent use of your credit cards, up to £5,000
- Freezer contents cover up to £1,000
- Cover for items kept in your garden up to £1,000
For an additional charge you can include:
- Extended accidental damage cover
- Cover for your personal possessions in and away from your home in the UK and up to 60 days world wide
- Pedal cycle cover in and away from the home
- Family legal protection
As with all insurance policies there are certain things the insurance doesn't cover such as:
- The first £100 of each claim; or the first £1,000 of each claim for subsidence, heave or landslip and the first £250 for escape of water claims.
- Loss or damage caused by malicious acts, vandalism, theft, escape of water, leakage of oil or breakage of glass or sanitaryware if your home has been left empty for more than 60 consecutive days
- Damage to fences, gates and hedges caused by storm or flood
- Theft of money from your home unless force was used to enter
- Accidental damage to portable items such as video cameras and hand-held computer games, unless optional extended accidental damage or personal possessions cover is chosen
- Any amount in excess of 10% of your contents sum insured for losses from your garage or domestic outbuilding by theft or attempted theft
Full details, terms and conditions are detailed in the policy document; please click here to download the booklet.
A key features document is also available to download click here
£25 M&S vouchers up for grabs!**
