Yes, sometimes they are. For example, as part of LV= standard home insurance
, if you take your sofa to be reupholstered and it gets damaged or lost, you may be able to claim up to £5,000 or £10,000 on Home Plus. This also applies to items that are temporarily moved to someone else's home, to a bank or to your place of work.
Plus, as part of our standard home insurance, we'll pay for accidental loss or damage when you move home if you use a professional removal company to transport your possessions.