Buildings insurance

Defaqto 5 Star rated buildings insurance*

*Home and Home Plus only

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Why choose LV= buildings insurance?

What's covered with LV= buildings insurance?

We're glad you asked...

  • Flexible limits of cover available to help rebuild your home – 3 levels of cover to choose from £500,000 on Essentials, £1 million on Home or choose our unlimited rebuild cover on Home Plus
  • Need somewhere else to stay due a to claim? We’ve got you covered, £25,000 for Essentials, £50,000 for Home and £100,000 for Home Plus
  • 12-month guarantee on repairs through our approved repairers
  • Up to £5,000 for finding the source of a leak so repairs can be carried out (up to £10,000 on Home Plus – no cover provided on Essentials)

More about LV= buildings insurance

What affects the cost of my buildings insurance?

  • The materials your home is built from
    The way your property was built and the materials it’s made from can impact your premium.
  • The area you live in
    If your home is in an area prone to flooding, you could be more likely to make a claim.
  • How secure your home is
    If you have any security features on your property, this could impact your home insurance in a positive way.
  • What type of building your home is
    The more rooms or bedrooms in your property, the more it would cost to re-build your home or replace your belongings.
  • Any government initiatives
    Government changes can sometimes effect your home insurance price. For example, the Flood Re scheme, introduced in 2016, is designed to help people living in flood-risk areas.
  • How much repair and labour could cost
    Hi-tech home items can increase the cost of home insurance as they’re expensive to replace or repair.
  • The amount of claims you’ve made
    If the number of claims goes up, due to extreme weather events for example, the costs to insure your home could go up.
  • The likelihood and impact of severe weather
    We look at the likelihood of severe weather conditions in the future and how many of our customers might be affected.

Tell me more about how my premium is worked out

What will I need to get a buildings insurance quote?

  • A bit about you, like your date of birth, phone number and email address
  • Details of any home insurance claims made by you or anyone living with you in the last five years 
  • Details of any unspent non-motoring convictions you or anyone living with you have had
  • If you want to add a joint policyholder, we'll need some info about them too

Is buildings insurance right for me?

Buildings insurance is something you’ll want to consider if you own your property. It will cover the cost of any damage to the structure of your property by fire, explosion, storm or floods, and your outbuildings will be protected too.

So, you can rest assured that we’ll get your property back to normal should you need us too.

What's the difference between contents and buildings insurance?

Home insurance usually covers two aspects of your property – the structure itself (known as buildings insurance) and the things in it (known as contents insurance). 

A good way to remember the difference is to think about this scenario: if you were to tip your house upside down, anything that hits the ceiling would be classed as contents. Furniture, jewellery, electronics, furnishings and everything in between. When it comes to insuring your contents, it’s best to have a good idea of how much everything is worth before you start your quote. To do this, just head to our contents calculator to work out what’s what.

As for everything else – structural walls, floors, roofing, fitted units and so on – these elements would come under buildings cover.
Is there any benefit to buying a combined buildings and contents policy?

Some things work better together, and having both buildings and contents cover with one insurer can make life so much easier. Having both products with us means that if you need to claim, you only have to deal with one company which can speed up the process, plus there’s only one excess to pay. After all, there's no need to make things more complicated.

Add our home insurance to your prized possessions

Our awards and recognition

  • Given the prestigious Defaqto 5 Star Rating for our Home and Home Plus insurance
  • LV= home insurance rated 4.8 out of 5 based on 2,931 customer reviews independently verified by Feefo
    Correct as of 15 February 2023

Now sit back, relax and start your home quote