Home buildings insurance
Defaqto 5 Star rated buildings insurance**Home and Home Plus only
What's covered with LV= buildings insurance?
- Flexible limits of cover are available to help rebuild your home. Three levels to choose from: £500,000 on Essentials, £1 million on Home or choose our unlimited rebuild cover on Home Plus.
- Somewhere else to stay due to a claim - We’ve got you covered: £30,000 for Essentials, £75,000 for Home and £100,000 for Home Plus.
- 12-month guarantee - on repairs through our approved repairers.
- Find the source of a leak with up to £5,000 on Home and up to £10,000 on Home Plus (no cover on Essentials). If there’s a leak in your home, we’ll find it so it can get sorted.
- Loss or theft of keys - is covered up to £750 on Essentials and unlimited with Home and Home Plus.
- Liability cover - of £5 million on all cover levels (Essentials, Home and Home Plus).
- Damage caused by Emergency services - is also included on all cover levels.
Why choose LV= buildings insurance?
- 24-hour UK emergency helpline, if you need help in a hurry.
- 5% discount when you buy buildings insurance online (excludes home emergency and home legal expenses).
- We've been given the prestigious Defaqto 5 Star Rating for our Home and Home Plus insurance.
- Enjoy special offers, competitions and discounts with My Rewards.
What is buildings insurance?
Buildings insurance provides essential financial protection for the structure of your home. This includes cover for damage to your walls, windows, roof fixtures and fittings. Buildings insurance can help with the cost of repairs or the rebuild of your property due to flooding, fires and theft.
To find out more, read our Buildings Insurance Explained article.
What's not covered and policy documents
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.
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
Do I need buildings insurance?
If you own your home, you should have buildings insurance. Why? Well, buildings insurance provides essential financial protection for the structure of your property. This includes cover for things like walls, windows, roof, and even fixtures and fittings, such as your bath or toilet.
The kind of scenarios covered include damage caused by flooding, fires and theft. Buildings insurance can help recover the cost of repairs to, or the rebuild of your home. When you purchased your home, you may have been encouraged to get buildings insurance for your mortgage.
What's the difference between building and contents 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.
Do I need buildings and contents insurance?
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.
Rated highly by customers and industry experts
Home insurance you can trust
Independently recognised by Defaqto as a Highly Commended Home insurer in 2026
- 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 369 customer reviews independently verified by Feefo
Correct as of 2 September 2026.