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Legal & General home insurance: COVID-19 FAQs

Legal & General have answered some of the most common questions they've been asked during the ongoing global pandemic.

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Below are some of the questions Legal & General have been asked during the ongoing global pandemic. If you’re concerned about your home insurance cover, please read these FAQs – if you can’t find the answer to your question here, please get in touch with Legal & General directly. These FAQs are specific to Legal & General, so if you have a different insurance provider you’ll need to check with them.

Business use

I’m working from home due to self-isolation. What do I need to do?

If you need to work from home because of government advice or because you need to self-isolate, your home insurance cover won’t be affected. You don’t need to let us know you’re homeworking as long your work is clerical/desk-based and there are no business visitors to your property.

Is my equipment covered?

Don’t worry, if you’re responsible for your equipment, we cover computers, laptops, tablets, keyboards, monitors, printers, fax machines, photocopiers, telephones, mobiles and office furniture used in the home. This cover is not included if you’re an Essentials customer.


What should I do if my home is left unoccupied due to coronavirus?

Don’t worry, your cover won’t be affected if your home’s unoccupied for longer than we allow for any of the reasons below:

  • You're unable to return home from holiday due to COVID-19 travel restrictions
  • You're having to self-isolate away from home
  • You've been, or are, in hospital with coronavirus

My house move has been postponed/cancelled – what do I do?

If you’ve already changed your address on your policy, please use our SmartService website to update your address details so your current home remains covered. Then just let us know your new address when you’ve got a new moving date.

I have more items than usual in my freezer, am I covered?

You’ll need to check the freezer contents cover limits in your policy documents. We haven’t changed our limits as a result of COVID-19.

Additional family members are moving in with us – what do I need to do?

You’ll need to tell us how many extra people are staying in your home and check that your contents cover is enough to cover their belongings too. If it isn’t enough, you’ll need to increase your cover. You can do all of this using our SmartService website.

Remember to let us know when your family move out again so we can update your policy details.


Will my home insurance cover the cost of a deep clean if my home is contaminated by COVID-19?

We’re sorry but we can’t cover claims for deep cleaning your home if it’s contaminated by COVID-19.

Will you help me find alternative accommodation if I’m self-isolating and my home becomes uninhabitable from fire, flood etc.?

Yes, of course we will. If you need to make a claim, please visit our Making a Claim page.

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