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Home contents insurance

Protect your home's contents with 5 Star rated cover

House with a green heart

Contents insurance from LV=

Get peace of mind by protecting your home’s contents. We’ll help you to protect what you love against things like fire, storm or flood damage and theft & vandalism. Get a home quote today to see how much you could save on your home contents insurance.

Defaqto 2018 - 5 Star home insurance

Defaqto 5 star rated cover for our Home and Home Plus insurance

Get your home insurance quote online

Or call our UK call centre on

0800 023 2638

Existing customer contact details

8am - 8pm Monday to Friday
9am - 5pm Saturday and bank holidays
10am - 4pm Sunday

Calls will be recorded

Choose between our Home Insurance and our new Home Plus cover if you're looking for an extra level of protection. Just select the level of cover when you get your quote.

Both of these include:

  • New locks and keys if your keys are stolen or lost
  • Accidental damage cover for your TVs, DVD players, games consoles and computers
  • A 12-month warranty on all repairs when you use our recommended repairer service

See how they compare...

What we’ll cover


Home Plus

Full accidental damage for contents



Digital downloads cover if you need to replace your online music, movie and book collection



Plants in the garden



Contents of your home

£25k – £100k

Up to £150k

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What's not covered...

  • Gradual wear and tear
  • Breakdown of home appliances
  • Fences damaged by storm

Read our most common examples of what's not covered in our claims considerations guide

Combine LV= buildings and contents insurance and save even more

Take out our buildings and contents cover together and only pay one excess on a claim, plus you'll get an extra discount.

Got any questions about contents insurance?

What is LV= contents insurance?

Our contents insurance covers your household items for things like flood, fire or water damage, as well as theft and vandalism. This includes theft of your contents from your garages, sheds and greenhouses, as well as cover for your garden plants. You can even combine your contents insurance with our highly rated buildings insurance so you can take advantage of extra savings.

If you’re renting a property, your landlord might have insurance to cover their belongings, but it’s still worthwhile thinking about covering yours too for things like clothing, MP3 players and TVs.

What optional extras can I choose to enhance my contents insurance?

You can enhance your contents insurance by adding any of these lovely optional extras when you get a home quote.

  1. Full accidental damage to cover accidents such as spilling paint on a carpet
  2. Personal belongings cover for when you’re away from home for items such as jewellery, watches and cameras
  3. Legal expenses for up to £100,000 to cover legal disputes and claims

Choose the level of home insurance you need