LV= home insurance

Learn more about LV= home insurance

LV home insurance logo

Last reviewed 21 October 2022

Why choose LV= home insurance?

  • 12-month guarantee on all repairs if using an LV= recommended repairer
  • Up to £15,000 of work-from-home cover on office equipment with Home Plus
  • Only 1 excess to pay if you’re claiming under a combined buildings and contents policy

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Who is LV= home insurance?

Formed in Liverpool in 1843 as a friendly society, LV= General Insurance Group, then known as Liverpool Victoria, offered a ‘penny policy’ to the city’s poor. The policy helped to maintain families after the breadwinner's death.

Over the years, the society expanded its range across other products including home, car and travel, among other insurance offerings.

Now based in Bournemouth, today LV= is one of the UK’s largest general insurers with more than 7 million customers and 4,000 staff.

It's regulated by the Prudential Regulation Authority and the Financial Conduct Authority.

LV= home insurance policy levels

LV='s home insurance is available as a single combined policy that covers both your buildings and contents

Or, if you only want one area of cover or the other, you can take out separate buildings insurance and contents insurance with them.

Both of LV='s home insurance products are available in two cover levels:

  • Home
  • Home plus

What does LV= buildings insurance cover?

LV= Home buildings insurance comes with:

  • £1m rebuild cover if your home is damaged or destroyed by fire, theft or subsidence.
  • £50,000 alternative accommodation cover while your house undergoes repairs if it’s rendered uninhabitable
  • Accidental damage cover for any underground pipes, as well as your bath, toilet. Basins, solar panels and ceramic hobs
  • £5,000 trace and access cover to help find the source of any leaks
  • £5m legal liability cover for any accidents or injuries at your home

LV= Home Plus buildings insurance ups your cover by adding in:

  • Unlimited rebuild cover if your house is damaged by fire, flood, theft or subsidence
  • £100,000 alternative accomodation cover
  • Accidental damage cover for all fixtures and fittings, as well as your electronics
  • £10,000 enhanced trace and access cover

What does LV= contents insurance cover?

LV= Home contents cover comes with:

  • Loss or damage cover for your contents, up to the limit you decide when taking out your cover
  • High value item insurance for individual valuables worth up to £2,000 each
  • Accidental damage cover for mirrors or glass furniture, as well as home entertainment equipment
  • £25,000 alternative accommodation cover while your home is repaired if it’s damaged and rendered uninhabitable
  • £5m legal liability cover for accidents and injury

LV Home Plus ups your contents cover by adding in:

  • Up to £150,000 loss or damage cover for your contents
  • Cover for individual valuables worth up to £5,000 each
  • £15,000 work from home cover on laptops, PCs and more
  • Full accidental damage cover for your contents
  • £50,000 alternative accommodation cover

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LV= home insurance optional extras

Aside from the standard policy features include with LV='s straight-from-the-box home insurance policies, you can pay a little more to add extras to your policy.

LV='s policy add-ons include:

Additional accidental damage cover that includes ceiling damage, damage caused by pets and children, and spills and stains.

Bicycle insurance for your bike and its accessories while it’s away from home

£100,000 legal expenses cover to help you pursue claims for injury, identity fraud and more

£1,000 home emergency cover to assist with blocked drains, heating failure and loss of power

How to contact LV= home insurance

If you’d like to contact LV= you can write to:

Frizzell House

If you would prefer to speak to someone, you can phone LV= home insurance on 0330 678 5200. Telephone lines are open:

Monday to Thursday: 8am to 8pm
Fridays: 8am to 6pm
Saturdays: 9am to 5pm

Lines are closed on Sundays and bank holidays.

You can also set up an online LV= account, to access a range of facilities and download your insurance documents.