Contents insurance

Contents only insurance could be cheaper than you think. Prices from just £69*

*10% of new customers paid £69 or less Dec ’22 - May ’23. Our contents Insurance is Defaqto 5 Star rated, protecting your belongings in and out of your home.

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Take a look at some of our benefits

What's covered with LV= contents insurance?

  • Accidental damage – With our Home and Home Plus policies, we cover your mirrors, glass or ceramic tops that form part of the furniture in your home and home entertainment equipment.
  • Contents stolen from your outbuildings such as sheds and garages (we’ll pay up to £1,000 on Essentials or up to your contents limit on Home or Home Plus)
  • Keys lost or stolen? We’ll replace your locks so you’re safe and sound in a flash (£750 limit applied to Essentials, up to your contents limit on Home or Home Plus)
  • If you work from home we'll cover your business equipment, such as laptops and PCs, for up to £5,000 on Essentials, £15,000 on Home or up to your contents limit on Home Plus
  • Cover for stolen contents – If your home is burgled and you have items stolen, you'll be covered for replacements up to the limit of cover stated in your policy docs
  • Cover for contents damaged or destroyed by fire – If there's a fire at your home, your contents will be covered for repair or replacement up to the limits of cover set out in your policy docs
  • Cover for contents damaged or destroyed by flooding - In the event of a flood at your home, damaged or destroyed contents will be covered up to the limits of cover set out in your policy docs.

Why choose LV= Contents insurance?

  • 24-hour UK emergency helpline, if you need help in a hurry
  • 12-month guarantee on repairs when you use our recommended repairer service
  • 5% discount when you buy contents insurance online (excludes home emergency and home legal expenses)
  • We've been given the prestigious Defaqto 5 Star Rating for our Home and Home Plus insurance
 

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    What is contents insurance?

    In a nutshell, contents insurance covers the cost of repairing or replacing the things in your home that you’d take with you when you move out. So, whether you’re renting or you own your home, you’ll want to make sure you have contents insurance. You can also add additional cover for high value items, cover away from your home (for things like your mobile or laptop) and bicycle cover.

    How does contents insurance work?

    Contents insurance covers things like gadgets, TVs, jewellery and clothing against flooding, fire or theft. You can set up a contents insurance policy alongside your home or buildings insurance, or on its own. Remember, contents insurance doesn’t cover your fixtures and fittings (this would come under buildings insurance), or any damage caused by gradual wear and tear. 

      Contents Calculator

      Not sure how much your stuff is worth? We know it's hard to put a true value on the things you love and that’s where our handy contents calculator can help.
      Calculate the value of your contents

      More about contents insurance

      What affects the price of my contents policy?

      • How your home was built
        The materials your property was built with and the way it was built could affect the cost of your premium.
      • Where you live
        If the property is in an area prone to things like flooding, it can be assumed that you're likely to need to claim on your insurance.
      • Security features 
        Any measures you've taken to improve the security of your property could impact the price you pay for your home insurance. Virtual assistants like Amazon Alexa, could help boost your home security and even save you money
      • What type of building the property is
        The more rooms or bedrooms there are in your home, the more it might cost to re-build the building or replace any belongings.
      • Government initiatives
        Government initiatives can affect all home insurance policies. For example, the Flood Re scheme of 2016 was introduced to help people living in flood-risk areas.
      • The cost of repair and labour
        Things like hi-tech or extravagant features could increase the cost of your home insurance, this is simply because they're expensive to replace or repair.
      • Your previous claims 
        The number of times you've claimed before could increase the cost of your premium. For example, this might be because you live in an area prone to severe weather or flooding.


      Tell me more about how my premium is calculated

        What details will you ask me for when I get a contents insurance quote?

        • Your date of birth, preferred phone number and an email address 
        • Any previous home insurance claims made by you or anyone living with you in the last five years 
        • Details of any unspent non-motoring convictions that 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?

        Our home contents insurance means you're protected against loss, theft or damage to the items in your home. You can also choose to add cover for taking personal items out of your home.

        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). 

        Basically, contents insurance covers anything that would fall out if you tipped your house upside down. So, that's things like furniture, jewellery, tech... and all the clothes in between. When it comes to getting insurance for your contents, it’s best to have an idea of how much your stuff is worth before you start your quote. Need a hand? No worries, just head to our contents calculator to work out what’s what.

        As for everything else (like structural walls, floors, roofing, fitted units and so on), they would all come under buildings cover. 

        Is there any benefit to buying a combined buildings and contents policy?

        Fish and chips, tea and biscuits, scones and jam... some things are just better together. So, having your buildings and contents cover under one roof (excuse the pun), is a perfect match too. Choosing to have both home insurance products with us means that if you need to claim, you only have to deal with one company for your buildings and contents claims - this can speed up the process, plus there’s only one excess to pay. We're all about keeping things simple.

          FAQs

          Take a look at our other home insurance products...

          Home insurance

          Home insurance with us could be cheaper than you think. So, whether you choose our Essentials, Home or Home Plus product, we'll protect your sanctuary and your stuff. You'll also have access to our 24-hour helpline.

          More about home insurance

          Buildings insurance

          Only need to cover a building? Our cover levels range from £500,000 to unlimited cover for repair or rebuild costs. Plus, you'll get a 12 month guarantee on all repairs done through our network.

          More about buildings insurance

          Tenants insurance

          Are you renting your home? Your landlord is only responsible for the building itself and any fixtures in it, so you'll need cover for anything you'd take with you if you moved out. We can help you there!

          More about tenants insurance

          Still deciding? See what some of our customers think...

          LV= Home Insurance rated 4.8 out of 5 based on 2,189 customer reviews independently verified by Feefo.


           Correct as of 22 May 2023.

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