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Home insurance

Home insurance for the place you love most 

Get a home quoteYour saved home quote
Why choose LV=?

Our home insurance comes highly recommended (and a 25% online discount for new customers!*)

*New customers buying online only, excludes Home Emergency and Home Legal Expenses.
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WHat's covered?

Whether you choose Home or Home Plus, we'll protect your happy place 

 

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I have been able to secure the same level cover for much, much less than the renewal with my previous insurer. I had some queries about completion of my application and found the online chat helpful and reassuring.
Chris Worcester
  • Unlimited cover to rebuild your home 
    Available only with our Home Plus policy
  • Flexible contents cover  
    Because we know one size doesn't fit all. Not sure how much your stuff is worth? No worries, we can work that out for you.
  • Accidental damage cover 
    Protects fixtures and fittings - and your TV, games consoles, tablets and laptops, too
  • Only one excess to pay
    If you're claiming under a combined buildings and contents policy
  • Lock replacement
    Keys lost or stolen? We'll replace your locks so you're safe and sound in a flash


    What's not covered...
  • Gradual wear and tear
  • Breakdown of home appliances
  • Fences damaged by storm

 

Read our most common examples of what's not covered in our claims considerations guide

 
I have been able to secure the same level cover for much, much less than the renewal with my previous insurer. I had some queries about completion of my application and found the online chat helpful and reassuring.
Chris Worcester
Cover Options

Choose between our Home and Home Plus policies

Home 

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Looking for home insurance you can tailor to suit you?
  • £1million buildings cover to rebuild your home
  • £50,000 towards alternative accommodation if repairs to your home following a claim mean you can’t stay there
  • £25k-£100k home contents cover
  • Optional full accidental damage cover
  • Optional personal belongings cover away from home
  • Optional bicycles cover away from home

Home Plus 

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Or are you searching for a home policy that gives you even more?
  • Unlimited buildings cover to rebuild your home 
  • £100,000 towards alternative accommodation if repairs to your home following a claim mean you can’t stay there
  • Up to £150k contents cover 
  • Full accidental damage cover
  • Personal belongings cover away from home
  • Bicycles cover away from home

Choose between our Home and Home Plus policies

Just select the level of cover when you get your quote - here's how they compare:

What we'll cover Home Home Plus
The cost to rebuild your home £1 million Unlimited
Alternative accommodation if repairs to your home following a claim mean you can't stay there £50,000 £100,000
Trace and access if there's a leak in your property £5,000 £10,000
12-month warranty on all repairs when you use our recommended repairer service Included Included
Accidental damage cover in case fixtures and fittings like your windows, toilets or baths get damaged Included Included
Full accidental damage for buildings Optional Included
Personal belongings away from home Optional Included
Bicycles away from home Optional Included
Locks and keys replacement Included Included
Contents of your home £25k - £100k Up to £150k
Accidental damage cover for your TVs, DVD players, games consoles and computers Included Included
Full accidental damage cover for contents Optional Included
Plants in the garden £1,500 £10,000 
Digital downloads cover if you need to replace your online music, movie and book collection £1,000 £10,000
What we'll cover Home Home Plus
The cost to rebuild your home £1 million Unlimited
Alternative accommodation if repairs to your home following a claim mean you can't stay there £50,000 £100,000
Trace and access if there's a leak in your property £5,000 £10,000
12-month warranty on all repairs when you use our recommended repairer service Included Included
Accidental damage cover in case fixtures and fittings like your windows, toilets or baths get damaged Included Included
Full accidental damage for buildings Optional Included
Personal belongings away from home Optional Included
Bicycles away from home Optional Included
Locks and keys replacement Included Included
Contents of your home £25k - £100k Up to £150k
Accidental damage cover for your TVs, DVD players, games consoles and computers Included Included
Full accidental damage cover for contents Optional Included
Plants in the garden £1,500 £10,000 
Digital downloads cover if you need to replace your online music, movie and book collection £1,000 £10,000
AWARDS AND RECOGNITION

Add our home insurance to your prized possessions

  • Given the prestigious Defaqto 5 Star Rating for our Home and Home Plus insurance
  • Proud to be the UK's most recommended insurer
  • We’re one of the most recommended companies for claims satisfaction

All set? Great. Let's start your quote