Contents insurance
Protect your favourite things with Defaqto 5 Star rated contents insuranceWhy choose LV= contents insurance?
- 24-hour UK emergency helpline, if you need help in a hurry
- 12-month guarantee on all repairs when you use our recommended repairer service
- Discount for new customers when you buy your contents insurance online
What's covered with LV= contents insurance?
Take a look at some of our benefits
- Accidental damage to cover TV’s, computers and game consoles
- Contents stolen from your outbuildings such as sheds and garages
- Locks replacement
Keys lost or stolen? We’ll replace your locks so you’re safe and sound in a flash - 24-hour UK domestic emergency helpline
What's not covered...
- Gradual wear and tear
- Computer viruses
- Breakdown of home appliances
Read our most common examples of what's not covered in our claims considerations guide
More about LV= contents insurance
What affects the price of my contents policy?
- The materials your home is built from
The materials your property is made from and the way it was built could impact the cost of your premium. - The area you live in
If your home is in an area where events like flooding are common, you may be more likely to make a claim. - How secure your home is
Any security features you have on your property could impact the price of your home insurance premium. - What type of building your home is
The more rooms or bedrooms you have in your property, the more it could cost to re-build your home or replace any belongings.
- Any government initiatives
Government initiatives can affect your home insurance. For example, the Flood Re scheme, introduced in 2016, was introduced to help people living in flood-risk areas. - How much repair and labour could cost
Items like hi-tech home features could increase the cost of your home insurance as they’re expensive to replace and repair. - The amount of claims you’ve made
If the number of claims goes up due to extreme weather events for example, the costs to insure your home may increase. - The likelihood and impact of severe weather
We look at how likely severe weather conditions are in the future and how you and our other customers might be affected.
What do I need to hand when I get a contents insurance quote?
- We’ll need to know your date of birth, phone number and email address to start with
- You’ll need to let us know about any home insurance claims made by you or anyone living with you in the last five years
- Please tell us about any unspent non-motoring convictions you or anyone living with you have had
- If you want to add a joint policyholder, we'll need some of their details too
Is contents insurance right for me?
Contents insurance protects you against loss, theft or damage to your personal possessions and items in your home. It can also cover you if you take items out of the home, if you choose to add this to your policy.
What's the difference between contents and buildings insurance?
Home insurance usually covers two aspects of your property – the structure itself (known as buildings insurance) and the things in it (known as contents insurance).
A good way to remember the difference is to think about this scenario: if you were to tip your house upside down, anything that hits the ceiling would be classed as contents. Furniture, jewellery, electronics, furnishings and everything in between. When it comes to insuring your contents, it’s best to have a good idea of how much everything is worth before you start your quote. To do this, just head to our contents calculator to work out what’s what.
As for everything else – structural walls, floors, roofing, fitted units and so on – these elements would come under buildings cover.
Is there any benefit to buying a combined buildings and contents policy?
Some things work better together, and having both buildings and contents cover with one insurer can make life so much easier. Having both products with us means that if you need to claim, you only have to deal with one company which can speed up the process, plus there’s only one excess to pay. After all, there's no need to make things more complicated.
Some things work better together, and having both buildings and contents cover with one insurer can make life so much easier. Having both products with us means that if you need to claim, you only have to deal with one company which can speed up the process, plus there’s only one excess to pay. After all, there's no need to make things more complicated.