Choose from two levels of home insurance, Home or Home Plus. Compare LV= home insurance quotes today.
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LV= buildings insurance covers loss or damage to the fabric of your home, as well as its outbuildings, due to events like fire, floods, water leaks, subsidence and malicious damage.
Also covered are the permanent fixtures and fittings in your home, such as your showers and toilets.
It protects the belongings in your home against loss or damage that’s the result of fire, flood, theft and vandalism. It will depend on which policy you choose but you can cover contents up to the value of £150,000.
You’ll also be covered for:
You can tailor your policy to suit your needs with the following optional extras:
This extended cover comes as standard on an LV= Home Plus policy but can be added to the Home policy for peace of mind.
It pays out for accidents, such as hammering a nail into a water pipe or spilling coffee onto your carpet.
Damage caused by children and pets is also taken care of.
This comes as standard with a Home Plus Policy. It covers things like your mobile phone, jewellery, watches and tablets when you’re out and about. There’s a limit of £2,000 per item if you add this to your Home Policy (£5,000 with a Home Plus policy).
It covers you for accidental loss, damage or theft (as long as your bike was adequately locked) when you take it away from home, up to the limit of £1,000 per bike. This cover is included as standard in a Home Plus policy.
You’ll be covered for up to £100,000 to help you in legal disputes.
This covers emergencies like burst pipes and boiler breakdowns. You’ll also get help if you have a leaking roof or pest infestation. You'll need to call out an approved tradesperson to fix the problem. You'll be covered up to £1,000 per emergency, with no excess to pay.
The LV= Home policy offers a good level of cover for your contents including lock replacements, garden plants, alternative accommodation cover and £1,000,000 towards rebuilding your home if it’s beyond repair.
Home Plus includes even more comprehensive cover. For example, you also get:
These optional extras can all be purchased as add-ons to a LV= Home policy.
It depends on a few things, including what materials your home is built from.
Where you live will also have a bearing on cost. Areas likely to flood and those that experience high rates of theft normally mean higher premiums, too.
Liverpool Victoria, trading as LV= since 2017, is a financial services provider offering a variety of products including insurance, investments and retirement income solutions.
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LV= home insurance is underwritten by Liverpool Victoria Insurance Company Ltd.
Accidental damage to your drains is covered but not deterioration caused by wear and tear.
If you’ve purchased home emergency cover as an optional extra, you’re insured for getting a blocked drain fixed.
It covers loss of your contents when you’re moving to a new house as standard.
If you have a Home Plus policy, bicycle cover away from home will cover the accidental loss of your bike, up to a limit of £1,000 per bike. You can add bicycle cover to your standard Home policy for an additional cost.
Similarly, personal belongings cover away from home comes as standard with a Home Plus policy and can be added to the standard Home policy.
It protects items like your mobile phone or watch should you lose them when you’re out and about. There’s a limit of £2,000 per item (£5,000 with a Home Plus policy).
Everyday wear and tear to your carpet isn’t covered. However, full accidental damage cover will cover all kinds of carpet accidents; whether it’s a spilt glass of red wine or a pet chewing it to bits!
It comes as standard on an LV= Home Plus policy and can be added to the Home policy.