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Home Insurance

(51,991 reviews)

Review Score


LV= Reviews

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LV= gives you access to a 24/7 emergency helpline and a 12 month guarantee on all repairs when you use their recommended repair service.

Jenny Aldridge



Good Price

Never had to claim on it but it’s a very good price and they don’t double your payments once you’ve been with them a while on auto-renew, had it five years and think the monthly payments have only got up by about £1 which seems fair because of inflation.

Frances Heaton



Comprehensive, Friendly Service, But Expensive Renewals

Comprehensive cover at a good price, friendly service and easy to contact. However, not keen on their policy of increasing prices for renewing the policy, and not being willing to negotiate a better price.

Thanks for leaving a review, Frances.


Wendy Plater




They are an average company - no better/worse than others.

Thanks for leaving a review of LV home insurance Wendy.

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LV Pet Insurance Logo

LV= offers tailor made policies to suit all budgets and needs. They offer a fully flexible service to their new and existing customers and provide them with care and attention when needed.     


Quotes our team received

Price Band

£ £ £ £ £

Quotes our team received

Home Insurance Pricing Image One


Covers the contents of your home only

Contents only quote


per year

Buildings' cover limit

No limit

Contents' cover limit


Home Insurance Pricing Image Two


Covers the physical structure of your home as well as the contents

Buildings & contents quote


per year

Buildings' cover limit

No limit

Contents' cover limit


Benefits of LV= Home Insurance

  • Awarded a 5 Star rating by Defaqto
  • 24hr UK emergency helpline
  • 12 month guarantee on all repairs when you use their recommended repair service
  • New customers receive a 25% discount when buying online
  • Unlimited buildings cover available
Compare home insurance providers to see how LV=’s home insurance performs against their competitors.

LV= home insurance policies

LV= offers three different home insurance policies; buildings insurance only, contents insurance only and buildings and contents insurance combined if you want maximum protection. They also offer a specific landlord insurance policy if you rent your property out. 

LV= buildings insurance

  • Get up to £1 million towards the cost to rebuild your home with LV’s Home policy, or get unlimited cover with their Home Plus policy.
  • £50,000 cover if your need to stay in alternative accommodation whilst your home is being repaired, or £100,000 with Home Plus policies. 
  • 12 month guarantee on repairs through LV’s approved repairers.
  • Up to £5,000 for finding the source of a leak, up to £10,000 on Home Plus policies. 

LV= contents insurance

  • Covers accidental damage to TVs, computers and game consoles.
  • Covers contents stolen from your outbuildings, such as your garage or shed.
  • Replacement locks if your keys are lost or stolen.24/7 UK domestic emergency helpline.
  • Their buildings and contents insurance policy covers all of the above, so you have peace of mind knowing that both the physical structure of your home and your contents have maximum protection.

Landlord insurance

  • Up to £1 million buildings cover, including damage caused by fire, storm, flood or subsidence. 
  • Cover for accidental damage, vandalism and theft caused by your tenants.Up to £5,00 for trace and access to find the source of a water or oil leak.
  • Up to £5,000 for unauthorised use of metered supplies.
  • Replacement locks if your keys are lost or stolen. 
  • 12 month guarantee on repairs when you use LV’s recommended repairer service. 
  • 24/7 legal helpline to assist with any property disputes. 
  • 10% discount on your landlord insurance if you already have car or home insurance with LV=. 
  • Loss of rent of the costs of alternative accommodation if there’s damage to your rental property and it becomes uninhabitable.
  • New for old contents cover available for items you own, such as carpets, furniture and any white goods, available for leasehold flat owners if you’re not responsible to insure the building.

What’s excluded from LV= home insurance cover?

All LV= home insurance policies exclude cover for: 
  • Gradual and general wear and tear
  • Fences damaged by storms
  • Breakdown of household appliances

What optional extras can I add to my LV= home insurance policy?

  • Legal expenses cover - get up to £100,000 in legal fees and expenses to protect your legal right as a homeowner, such as disputes with neighbours. Home emergency cover - additional cover for an approved tradesman to provide you with emergency assistance and repairs costing up to £500 per emergency with no excess. 
  • Personal belongings cover away from home - additional cover to protect personal items up to £2,000 per item. If you have items worth more than this limit, you will need to let LV= know so that they can add them to your policy. (Home Plus policies come with a standard limit of £5,000).
  • Cycle cover away from home - protect your bicycle and cycling gear away from home for up to £1,000 per item. If your equipment is worth more, you will need to let LV= know. (This cover is included as standard with all Home Plus policies).
  • Extended accidental damage cover - cover for accidents such as DIY accidents, such as driving a nail through a pipe.

Frequently Asked Questions

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