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Home insurance

Buy online and save 25%*

*New customers buying online only. Excludes Home Emergency and Home Legal expenses.

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5 reasons to choose LV= Home Insurance

  • Buy your home insurance online from just £95 - 10% of new customers paid £95 or less (Jun - Nov 2017)
  • 25% online discount and an extra discount if you already have insurance with us
  • Emergency helpline is on hand 24/7, 365 days a year
  • Your own dedicated person to handle any claim you need to make
  • Limited accidental damage cover included as standard
Defaqto 2018 - 5 Star home insurance

Get your home insurance quote online

Or call our UK call centre on

0800 023 2638

Existing customer contact details

8am - 8pm Monday to Friday
9am - 5pm Saturday and bank holidays
10am - 4pm Sunday

Calls may be recorded

Our Defaqto 5 Star rated Home Insurance includes...

  • £1 million cover if you need to rebuild your home
  • If repairs to your home following a claim mean you can’t stay there, you’ll have £25,000 cover to pay for alternative accommodation
  • Use our recommended repairer service and get a 12-month warranty on all repairs
  • Accidental damage cover in case fixtures and fittings like your windows, toilets or baths get damaged
  • Need to change the locks? If your keys are lost or stolen, we’ll pay to replace the locks so your home’s secure again
  • Access a 24-hour UK emergency helpline if things go wrong at home and you need help
  • Insure up to £150,000 worth of belongings under your contents cover
  • Accidental damage cover protects your TV, games consoles, tablets and laptops if things go wrong
  • You’ve even got £1,000 cover for digital downloads to replace your online music, movie and book collection

What's not covered...

  • Gradual wear and tear
  • Breakdown of home appliances
  • Fences damaged by storm
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Read our most common examples of what's not covered in our claims considerations guide

For full details of what's not covered, take a look at our policy document.

Choose your type of home insurance cover

You can choose just buildings cover or just contents cover. Simply tell us what type of home insurance you need when you start your online quote.

Buildings insurance

Imagine if a fire or flood damaged your home. With buildings cover, we can repair damage and even rebuild your home.

Contents insurance

With contents cover, we protect the things you love from fire, storm or flood damage, as well as theft and vandalism.

LV= Home Insurance covers buildings and contents. You'll only pay one excess on a claim, plus you'll get a discount.

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Your home insurance price explained

Read our short guide to find out how your home insurance premium is calculated.

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Optional home insurance extras

More on our optional extras

Legal expenses cover (for £25 or less)
Cover for up to £100k legal fees...just in case.
Home emergency (for £50 or less)
Round the clock help for when you need it most. Not available with contents only cover.
Extended accidental damage cover
Because accidents happen. Get extra cover for peace of mind.
Personal belongings cover away from home
We all know it's too easy to lose or damage something you're wearing or carrying while out and about. Not available with buildings only cover.
Cycle cover away from home
To cover your cycle while out and about. Not available with buildings only cover.

Choose the level of home insurance you'd like when you get a quote

Are you an existing home insurance customer?

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Renew your policy

You can renew your policy online.

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Make a claim

Useful information about making a new claim or finding out about an existing one.

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Customer discounts

See how much you could save with exclusive customer discounts.

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Make changes

Change policy details like your name, address, optional extras or marketing preferences.

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Get new documents

Use our online form to request replacement copies of your policy documents.

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Emergency helplines

For things like domestic emergencies, identity fraud assistance and legal advice.

Need Help?

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