Home insurance
Home insurance for the place you love most
Why choose LV=?
Our home insurance comes highly recommended (and there's a 25% online discount for new customers!*)
*New customers buying online only, excludes Home Emergency and Home Legal Expenses.
- 24-hour UK emergency helpline, if you need help in a hurry
- 12-month guarantee on all repairs when you use our recommended repairer service
- Choose from our two levels of home insurance, Home or Home Plus
What's covered?
Whether you choose Home or Home Plus, we'll protect your happy place
Easy to use website and selection process. Excellent prices and levels of cover.
- 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
Cover Options
Choose between our Home and Home Plus policies
Home
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
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
HOME insurance Optional extras
For additional peace of mind, choose from our handy optional extras
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 |
Still deciding? See what some of our customers think...
Looking for something else? Perhaps these links can help.
FREQUENTLY ASKED QUESTIONS
Got a question about our home insurance?
Policy documents
Grab a cuppa and take a read of our policy documents
You can get this and other documents from us in Braille, large print or audio by contacting us