LV= home insurance
Choose from two levels of home insurance, Home or Home Plus. Compare LV= home insurance quotes today.
Why choose LV= home insurance?
- LV= was named as Which? Insurance Brand of the Year 2021, due to its "excellent customer scores and high levels of cover across both car and home insurance"
- When you buy both your home and car insurance with LV=, you get a 5% discount on the second product
- There’s a 12-month guarantee on all repairs carried out by its recommended repairer service
- It’s Defaqto five-star rated
It's still important to compare different home insurance providers to make sure you're getting the right policy that covers your home insurance needs.
LV= home insurance facts
- Choose from buildings, contents or a combined home insurance policy.
- There are two levels of policy:
- - Home Insurance
- A policy you can tailor to suit you, by adding various optional extras
- - Home Plus Insurance
- This offers wider benefits and higher payout limits
How do I get in touch with LV=?
You can call 0800 023 2638
Mon to Fri 8am - 8pm
Sat 9am - 5pm
Sun 10am - 4pm
What does LV= buildings insurance cover?
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 includes:
- Accidental damage to underground drains and pipes (up to a certain amount with LV= Home)
- Alternative accommodation costs up to £100,000 if your home is unsafe to live in
- Trace and access cover up to £10,000 to pay towards the cost of removing and replacing any part of your building to find the source of a water or oil leak from tanks, appliances or pipes.
- Legal liability cover up to £2,000,000.
What does LV= contents insurance cover?
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:
- Accidental damage to TVs, game consoles, tablets and laptops, as well as mirrors and glass that form part of your furniture, as standard
- Valuables in your home that are worth up to £5,000 or less each
- Business equipment
- Garden contents
- Visitor's belongings
- Contents of your freezer
- Again, the level of cover you receive will depend on which policy you choose
What optional extras are available?
You can tailor your policy to suit your needs with the following optional extras:
Full accidental damage cover
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.
Personal belongings cover away from home
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).
Bicycle cover away from home
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.
Legal expenses cover
You’ll be covered for up to £100,000 to help you in legal disputes.
Home emergency cover
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.
What’s the difference between LV=Home and LV= Home Plus?
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:
- Full accidental damage cover on buildings and contents
- Personal possessions cover away from home
- Bicycle cover away from home
These optional extras can all be purchased as add-ons to a LV= Home policy.
How much does LV home insurance cost?
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.
Who is LV=?
Liverpool Victoria, trading as LV= since 2017, is a financial services provider offering a variety of products including insurance, investments and retirement income solutions.
How can I compare LV= home insurance?
Compare quotesWe can help you compare policies from up to 65 UK home insurers, get quotes with us now
Frequently asked questions
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Call 0800 032 2844
Mon-Fri: 8am-6pm
Sat: 8am-4pm
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LV= home insurance is underwritten by Liverpool Victoria Insurance Company Ltd.
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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.
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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).
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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.