LV= uses cookies to give you the best experience online and to provide anonymised, aggregated site usage data. You can find out what cookies we use and how you can disable them in our Cookie Policy. By continuing to use our website, you agree to our use of cookies in accordance with our cookie policy unless you have disabled them.

skip to main content

Home buildings insurance

Defaqto 5 Star rated Home Insurance

House with a green heart

Buildings insurance from LV=

If your house is struck by lightning or affected by flooding, it would be good to know that you’d be able to have the damage repaired or even have your home rebuilt. Get a home quote today and see how much you could save with LV=.

Defaqto 2018 - 5 Star home insurance

Defaqto 5 star rated cover for our Home and Home Plus 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 will be recorded

Choose between our Home Insurance and our new Home Plus cover if you're looking for an extra level of protection. Just select the level of cover when you get your quote.

Both of these include:

  • New locks and keys if your keys are stolen or lost
  • Accidental damage cover in case fixtures and fittings like your windows, toilets or baths get damaged
  • A 12-month warranty on all repairs when you use our recommended repairer service

See how they compare...

What we’ll cover


Home Plus

Full accidental damage for buildings



The cost to rebuild your home

£1 Million


Alternative accommodation if repairs to your home following a claim mean you can’t stay there



Trace and access if there's a leak in your property



Icon of a woman with a question mark in a blue thought bubble

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

Combine LV= buildings and contents insurance and save even more

Take out our buildings and contents cover together and only pay one excess on a claim, plus you'll get an extra discount. Get a home quote.

Got any questions about buildings insurance?

What is LV= buildings insurance?

Buildings insurance covers the structure of your home - this includes walls, permanent fixtures & fittings (such as your shower or toilet), drives and patios. Outbuildings such as sheds, garages and greenhouses may also be covered too.

With an LV= buildings insurance policy, you'll be covered against things like fire, floods, water leaks, theft and vandalism. Our insurance also includes standard accidental damage cover to fixed glass, sanitary ware and underground pipes and cables serving your home, plus our 24 hour domestic emergency helpline offers round the clock support and advice.

What optional extras can I choose to enhance my buildings insurance?

You can enhance your buildings insurance by adding any of these lovely optional extras when you get a home quote.

  1. Full accidental damage to cover accidents such as putting your foot through your loft floor
  2. Legal expenses for up to £100,000 to cover legal disputes and claims
  3. Home emergency cover to help assist with emergencies such as a broken boiler or pest infestations

Home insurance optional extras

Tailor your cover with our optional extras, including round the clock help from our home emergency cover.

More about home insurance optional extras

Choose the level of home insurance you need