Over 50's Home insurance

Defaqto 5 star rated home insurance*

* Home and Home Plus insurance only

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Why choose LV= over 50s home insurance?

We'll look after your home sweet home from the off

24-hour UK emergency helpline, if you need help in a hurry
12-month warranty on all repairs when you use our recommended repairer service
5% discount when you buy home insurance online (excludes home emergency and home legal expenses)

Take a look at our LV= GI home customer reviews

Thanks to all our customers who have rated us ‘Excellent’ on Trustpilot!

LV='s over 50s home insurance covers you for all of this...

And more!

Flexible limits of cover available to help rebuild your home
...with up to £500,000 on Essentials, £1 million on Home and unlimited cover on Home Plus.
Contents cover
Because it isn’t just bricks and mortar that makes a home.
Alternative accommodation
...if repairs to your home following a claim mean you can’t stay there
Locks replacement
Keys lost or stolen? We’ll replace your locks so you’re safe and sound in a flash.

What do our customers think of our home insurance?

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More about LV= home insurance

Optional extras

Pick and choose from our handy home insurance optional extras

Legal expenses cover

For £30 or less By adding this cover to your home insurance policy, you can rest assured that you have up to £100,000 in legal fees and expenses to help you get things sorted. Find out more about our legal expenses cover.

Home emergency cover

For £50 or less
This additional cover means that we’ll organise and pay for an approved tradesman to provide emergency assistance and repairs costing up to £1,000 per emergency with no excess - from heating to roofing and even pest infestation. Find out more about our home emergency cover.

Enhanced accidental damage cover

Our enhanced accidental damage cover gives you peace of mind that we’ll help you get things sorted. If you have one of our Home Plus policies, you already have this as standard. Find out more about our enhanced accidental damage cover.

Personal belongings cover away from home

Extended personal belongings cover protects items worth up to £2,000 per item (Home Plus policies have this as standard with a limit of £5,000) when you’re away from home. Any item worth more than this will need to be specified. Find out more about our personal belongings cover away from home.

Cycle cover away from home

Whether it’s for you or your family, this additional cover protects your bikes and cycling gear for up to £1,000 per item - anything worth more will need to be specified on the policy. This cover comes as standard with our Home Plus policies. Find out more about our cycle cover away from home.

What's not covered?

Policy documents

Our home insurance policy documents

You can get these and other documents from us in braille, large print or audio by sending us an email.

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Our awards and recognition

Given the prestigious Defaqto 5 Star Rating for our Home and Home Plus insurance
LV= Home insurance rated 4.7 out of 5 based on 907 customer reviews independently verified by Feefo
Correct as of 26 February 2025.