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Home insurance

Defaqto 5 Star rated cover
We look after what matters to you and your family

Retrieve a quote

Choose the home insurance extras to suit you

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.

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.


Full accidental damage cover

Breakages, spillages, stains – it’s easy to have an accident and damage your home or belongings. LV= home insurance offers some cover but our full 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:

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

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


Personal belongings cover away from home

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 £2,000 (£5,000 with Home Plus) when you're away from home. This optional 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 (£1,000 cover with Home Plus) for lost or stolen money and credit cards

There is a limit of £2,000 (£5,000 with Home Plus) per item. Any item worth more than this must be specified on the policy.

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


Bicycle cover away from home

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:

  • 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.

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

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


Legal expenses cover - for £25 or less

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 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 more than a 50% chance of the case being successful.


Home emergency - for £50 or less

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:

  • 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.

Choose the level of home insurance you'd like when you get a quote

Want to call for a quote?
Call our UK-based call centre on:

0800 756 8290

8am - 8pm Monday to Friday
9am - 5pm Saturday and bank holidays
10am - 4pm Sunday

More contact details

Calls will be recorded

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Defaqto 5 star rated Home Insurance

Defaqto 2018 - 5 Star home insurance


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