Our UK home insurance isn't just about giving you quality cover, it's about giving you flexibility so you can tailor the cover to suit you.
To add any of these options to your home insurance, add them as you get your quote. For full details of our optional extras, please see the home insurance policy document.
" My cream carpets! I’ll never get that red wine stain out!"
Breakages, spillages, stains – it’s easy to have an accident and damage your home or belongings. LV= home insurance offers some cover but our extended accidental damage cover gives you peace of mind that we can help put more things right. Here are some examples of what you’re covered for:
" What happens if I lose my mobile phone out and about?”
These days, we carry hundreds of pounds worth of belongings around in our pockets and bags. It's all too easy to lose or damage something you're wearing or carrying while out and about. Add extended personal belongings cover to protect items worth up to £1,500 when you’re away from home. This optional cover includes:
There is a limit of £1,500 per item. Any item worth more than this must be specified on the policy.
" I wouldn’t know what I’d do without my bike”
Avid cyclist? You’ll want to make sure your trusty two-wheeler is covered if you take your bike away from home. Adding bicycle cover to your home insurance couldn’t be easier. Whether it is for you or your family, with this optional cover, your bicycle or folding bike and cycling gear is insured:
Your cycle value must include accessories.
" It’s not my fault – but now I’m out of pocket”
Most people don’t understand the benefits of legal expenses cover until it’s too late and the solicitor’s fees are mounting up. With this additional level of cover, it's good to know you've got up to £100,000 in legal fees expenses to help you:
Any claim must have more than a 50% chance of the case being successful.
" Help! My boiler’s broken down!”
Choose home emergency cover and we can organise and pay for an approved tradesperson to provide emergency assistance and repairs up to £500 per emergency. You won’t have to pay an excess and you’ll be covered for things like:
This isn't a home maintenance contract so boiler servicing and replacing worn out parts are not included. We also cannot cover warm air, solar, under floor, oil fired, LPG or propane heating systems.
You can only get home emergency cover if you've got our home buildings insurance.