Home Insurance cover - features and benefits
Find out what our home insurance covers and then choose what suits you.
We can insure:
- your buildings and your contents
- just your buildings
- just your contents
- your belongings when you take them away from your home (with Contents Insurance)
Buildings insurance cover
Our buildings insurance comes with these features. But you can also add extra accidental damage cover as an optional home insurance extra.
Buildings Insurance | Cover (up to) |
|---|---|
Buildings | £1million |
Loss or damage from:
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Accidental damage to:
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Damage caused by the emergency services to your house and garden | |
Loss or damage to your solar panels and wind turbines | |
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Alternative accommodation or rent | £25,000 |
Loss or damage to your hedges, trees, shrubs, plants and lawns | £1,000 |
Trace and access to find the source of water and oil leaks | £5,000 |
Property owner's liability | £2million |
Contents insurance cover
Our contents insurance comes with these features. But you can add some optional home insurance extras to get even more contents insurance cover.
Try our new home contents estimator to help you calculate the value of your possessions before getting a quote.
Contents Insurance | Cover (up to) |
|---|---|
Contents | Choose up to £150,000 |
Loss or damage from:
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Accidental damage to:
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Loss of metered water | |
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Valuables
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Loss of frozen food if your freezer breaks down or there's a power cut | £500 |
Loss or theft of money and credit cards from the home | £500 each |
Theft from your shed, garage or outbuildings | £2,500 |
Loss or damage to your garden furniture and other contents in the garden | £1,000 |
Loss or damage to your hedges, trees, shrubs, plants and lawns | £1,000 |
Loss or damage to office equipment at home | £5,000 |
Loss or damage to your downloaded information | £1,000 |
Increased cover for gifts for religious festivals or special events. | 10% extra cover |
Alternative accommodation or rent | £25,000 |
Personal liability | £2million |
Your liability for domestic employees like a cleaner or a gardener | £10million |
Title deeds | £750 |
Contents while temporarily removed from your home | £5,000 |
Policy exclusions
Our home insurance has various exclusions. For full details, read the LV= Home Insurance policy documents. If you're still not sure whether or not something is covered by our home insurance, please call us.
Not sure about some of the words we use? Turn on our Glossary here.Glossary loading...
