Home Insurance cover - features and benefits

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: fire water and oil leaks theft and vandalism impact, storm and flood subsidence, heave and landslip
Accidental damage to: windows, fixed glass and sanitary fittings cables, underground pipes and drains
Damage caused by the emergency services to your house and garden
Loss or damage to your solar panels and wind turbines
24 hour claim line and 24 hour domestic emergency helpline
Identity fraud assistance helpline
Loss of keys
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: fire water and oil leaks theft and vandalism impact, storm and flood subsidence, heave and landslip
Accidental damage to: TV, video/DVD, music and computer equipment mirrors, glass and ceramic tops
Loss of metered water
Loss of keys
24 hour claim line and 24 hour domestic emergency helpline
Identity fraud assistance helpline
Valuables Up to £1,500 cover automatically for any one item. You can get more cover for specific items if you want to	Up to a third of the amount of  your contents cover
Loss of frozen food if your freezer breaks down or there's a power cut	£500
Loss or theft of money and credit cards	£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 wedding gifts and religious festival gifts like Christmas presents	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.