Liverpool Victoria Home Insurance

What’s covered

Cover for your property, possessions and more.

Damage to your property and possessions

• Caused by events such as fire, theft, subsidence and flooding
• Includes damage to garages and outbuildings and their contents

Cost of alternative accommodation (including loss of rent)

• We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
• And if you’re a landlord, we’ll also cover you for any lost rent while the property is uninhabitable

Liability protection for injuries or property damage

• If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

• Wet rot, dry rot or frost damage
• Damage that’s been caused over time
• Fences, gates or hedges damaged in a storm
• Claims for poor workmanship or faulty design

Take a look at our policy wording for full details of what’s not covered.

* Excludes Home Emergency and Home Legal expenses

What’s covered

• A personal claims manager if you need to move out of your home due to a claim
• Worldwide protection for your credit cards, debit cards and cash up to £500
• Cover for underground pipes comes as standard, so any accidental damage to those you are responsible for between your property and the mains is taken care of
• No need to specify single items worth less than £2,500 such as jewelry and paintings kept within the home

What’s not covered

• Home cover does not include loss or damage to valuables, personal belongings and pedal cycles when away from the home (available with Saga additional cover options – Personal Belongings Cover and Specified Pedal Cycles Outside the Home Cover).
• Home cover does not include loss or damage to contents in student accommodation.
• Certain loss or damage when your home is lent, shared, let or sub-let.