Contents insurance for renters

Legal expenses cover for £30 or less

"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:

• 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, for example 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 more than a 50% chance of the case being successful

Home emergency cover for £50 or less

This additional cover means that we’ll organise and pay for an approved tradesman to provide emergency assistance and repairs costing up to £1,000 per emergency with no excess - from heating to roofing and even pest infestation.

Find out more about our home emergency cover.

This extended cover is included as standard with our Home Plus policy.

Enhanced accidental damage cover

LV= home insurance offers some cover but our enhanced 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:

• DIY accidents, such as putting your foot through your loft floor, or driving a nail through a pipe.
• Damage caused by children – such as knocking valuable objects over, scribbling on walls, spilling drinks, as well as damage caused by kicking and throwing balls around indoors.
• Spillages or stains that damage carpets, furniture and curtains.
• Furniture, fixtures or fittings ruined by your pet scratching, digging or chewing.

This enhanced cover is included as standard with our Home Plus policy.

Personal belongings away from home

Extended personal belongings cover protects items worth up to £2,000 per item (Home Plus policies have this as standard with a limit of £5,000) when you’re away from home. Any item worth more than this will need to be specified. Find out more about our personal belongings cover away from home.

Cycle cover away from home

Whether it is for you or your family, with this optional cover, your bicycle or folding bike and your cycling gear is insured:

• Against accidental loss, damage or even theft while you’re away from home (providing your bike is locked to an immovable object - or within a locked building - when taken away from home).
• Against loss or damage whilst cycling in the UK and Europe.
• For up to 60 days worldwide cover.
• Your bike value must include accessories

There is a limit of £1,000 per bike. Any bike worth more than this must be specified on the policy.