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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. That’s why we offer peace of mind with up to £1million cover to get your home back to how it should be. Get a home quote today and see how much you could save with LV=.

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. £1 million to cover the cost of rebuilding or repairing your home
  2. Up to £25,000 to cover the cost of somewhere else to stay, if needed
  3. Accidental damage cover for your windows, toilets, basins and baths
  4. New locks and keys if yours are lost or stolen so your home is secure again
  5. 12 month guarantee on repairs when using our approved repairers
  6. Finding the source of a leak - so repairs can be carried out

All this, plus a range of lovely optional extras to enhance your buildings cover including extended accidental damage cover and home emergency cover.

What's not covered...

  • Gradual wear and tear
  • Fences damaged by storm
  • General maintenance, such as leaky guttering
Icon of a woman with a question mark in a blue thought bubble

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 documents.

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. Extended 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