Coronavirus and your
home insurance

Are you working from home at the moment?

Here's what you need to know...

Due to the uncertainty surrounding the impact of coronavirus (COVID-19), a lot of us will be spending more time at home than usual. Whether that’s due to self-isolation, working from home or caring for children during school closures, we’re all in this together. We want to support you as much as we can and hope that we can answer any questions or concerns you may have. We also want to give you some tips on how to beat cabin fever!

As for your home insurance policy with us, you do not need to tell us if you’re working from home due to coronavirus (COVID-19) and everything will remain in place. We also provide cover for office equipment like computers and printers as standard with our contents insurance. 

Please see our FAQ’s below where we may cover any questions you have. In the meantime, stay safe and please bear with us while we do all we can to support our customers and employees

Have a browse through these articles for some hints and tips on how to get the most out of working from home, and how your home insurance comes in to play

Home insurance FAQs

Will my home insurance be affected if I haven't told my insurer that I'm working from home?

If you're an office-based worker and need to work from home because of government advice or because you need to self-isolate, your home insurance cover with LV= will not be affected. You do not need to contact us to update your documents or extend your cover.

Will my home insurance cover the cost of a deep clean to my property if it became contaminated by COVID-19?
We will only pay for customer claims covered under their policy. As Covid-19 is not an insured event, deep cleaning of this nature would not be covered.
My property has suffered damage and its uninhabitable. I am self-isolating, will my insurer cover alternative accommodation?
If your property becomes uninhabitable due to loss or damage covered under your policy, we will continue to provide Alternative Accommodation cover.
I have been quarantined or am unable to travel from abroad and therefore my home may be left unoccupied for over the 30 or 60 day limit on my policy. Will I be covered?

In these extraordinary times if you have been unable to return to your home as a result of Covid-19 (e.g enforced quarantine, travel restrictions/ cancellations or self-isolation) you'll be covered.

Am I covered for office equipment while working from home?
If your employer has advised you to work from home, we will cover you and any office equipment you own and use while working from home. If your employer has given you office equipment to use from home, this would usually be covered by their business insurance so you do not need to add it your policy.