Is it worth having legal cover on home insurance depends on your risk tolerance and potential legal costs, but generally considered worthwhile for small extra premium. Legal cover on home insurance, which is optional add on called family legal protection or home legal expenses cover, offered by insurers like Allianz, Aviva, and others in Australia and UK, covers legal costs for disputes including property disputes with neighbors over boundaries, employment disputes including unfair dismissal, consumer protection disputes over faulty goods, and personal injury claims, with cover typically up to 50,000 to 100,000 dollars for legal costs including solicitor fees and court costs, costing around 20 to 40 dollars per year extra on home insurance premium. Worth it if you own home and want protection against expensive legal disputes, as legal costs can easily exceed 5,000 to 10,000 dollars for property dispute, with legal cover providing access to legal helpline and covering costs. For renters or those with low risk tolerance, worth it for peace of mind, while for those with existing legal cover via other insurance like car insurance or union membership, may be duplicate. In Australia, legal cover less common than UK, but worth considering if you have property boundary risks or employment concerns. So legal cover on home insurance worth it for small extra cost around 20 to 40 dollars per year providing 50,000 to 100,000 cover for property, employment, and consumer disputes, worthwhile for homeowners wanting protection against high legal costs.
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