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 £25,000 for first time buyers, followed by £40,000, £50,000, £60,000 and £70,000. 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 may 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.

More Information 
Limitations and exclusions apply. Further information is available from the appropriate Legal & General Key Features Document. For insurance business we arrange policies exclusively from Legal & General. Your APH adviser will be happy to discuss all aspects of this insurance in more detail.

Feel free to call for an informal chat on freephone 08000 842 970 or This e-mail address is being protected from spambots. You need JavaScript enabled to view it   We would be delighted to meet with you at our offices in Bedfordshire, Buckinghamshire, Hertfordshire, Northamptonshire and Oxfordshire.