We use cookies to give you the best possible experience online. By continuing to use our website, you agree to receiving our cookies on your web browser. Visit our cookie policy page to find out more and how to change your cookie settings.

skip to main content

Choose the home insurance extras to suit you

Our UK home insurance isn't just about giving you great value cover, it's about giving you flexibility so you can tailor the cover to suit you.

You'll be given the choice to extend your cover with any of the options below as you complete your quote - for full details see the policy documents.

Defaqto 2016 - 5 Star home insurance

Or call our UK call centre on

0800 023 2638

Existing customer contact details

8am - 9pm Monday to Friday
8am - 5pm Saturday
9am - 5pm Sunday and bank holidays
Calls may be recorded

Extended accidental damage cover

For extra peace of mind, you can also get insurance cover for accidents such as:

  • putting your foot through your loft floor
  • staining your carpets or wooden flooring
  • breaking ornaments
  • your pet causing damage

Personal belongings cover away from home

We all know it's too easy to lose or damage something you're wearing or carrying while out and about. This reassuring cover includes:

  • belongings like jewellery, watches, cameras, mobile phones and golf clubs
  • cover for UK plus Europe and up to 60 days worldwide
  • £500 cover for lost or stolen money and credit cards

There is a limit of £1,500 per item. Any item worth more than this must be specified on the policy.

Cycle cover away from home

To cover your cycle, and accessories while out and about, including:

  • accidental loss or damage to your cycle
  • theft cover, providing your cycle is locked to an immovable object (or within a locked building) when taken away from home
  • cover for UK, plus Europe and up to 60 days worldwide

Your cycle value must include accessories.

Legal expenses cover - for £25 or less

If things get legal, it's good to know you've got up to £100,000 in cover to help you:

  • claim compensation if you're injured and it's not your fault e.g. you trip over a loose paving slab or are knocked off your bike
  • protect your legal rights as a home owner e.g. a dispute over a boundary or right of way
  • with unfair dismissal or other employment contract disputes such as discrimination
  • with a dispute relating to goods or services you've bought such as faulty workmanship by a builder

Any claim must have a 51% or better chance of success to be considered.

Home emergency - for £50 or less

It can be stressful when things go wrong at home. This reassuring 24-hour emergency option offers £500 cover for each emergency - with no excess on claims, cover includes:

  • boiler breakdown (your boiler must be less than 15 years old and serviced in the last 3 years)
  • tackling infestation by pests such as wasps or rats
  • plumbing emergencies like leaking pipes
  • lost or stolen house keys - we'll help you get into your home and make it secure
  • the cost of repairs by approved tradespeople to make your home safe, prevent more damage and restore hot water and heating where possible
  • 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.

Most recommended

We're proud to be the UK’s most recommended insurer

YouGov Most Recommended Insurer

Find out more about our YouGov recognition

Not sure about some of the words we use?

Turn on our Glossary here Glossary loading...

Buying LV= home insurance is quick and easy

We love saving you money on other insurance too...

10% online discount on pet insurance

Cover for your best friend: vet fees covered up to £10,000.

More on pet insurance

10% online discount on travel insurance

Enjoy your holiday knowing we've got you covered.

More on travel insurance

Great value car insurance

5 Star rated cover from the UK's Most Recommended Insurer.

More on car insurance

Great value landlord insurance

Cover up to four buy-to-let properties plus a range of optional extras.

More on landlord insurance

LV=, County Gates, Bournemouth, BH1 2NF, UK