Home insurance
Get a Defaqto 5 Star rated home insurance quote today**for Home and Home Plus policies
Your saved home quoteWhat does Home insurance cover?
- Unlimited cover to rebuild your home*
Get up to £500,000 towards rebuilding costs with our Essentials policy, up to £1m towards rebuilding costs with our Home policy, or *unlimited with Home Plus only - Flexible contents cover
Because we know one size doesn't fit all. Not sure how much stuff in your house is worth? No worries, we can work that out for you - Accidental damage cover
With our Home and Home Plus policies, your underground cables, pipes and drains will be covered along with breakage and damage to fixtures and fittings (like windows, toilets and baths). We’ll also cover your mirrors and home entertainment equipment. You'll just need to pay your excess. - Working from home
We'll cover your business equipment, such as laptops and PCs, for up to £5k on Essentials, £15k on Home or up to your contents limit on Home Plus if you work from home -
Only one excess to pay
If you're claiming under a combined buildings and contents policy - Lock replacement
Keys lost or stolen? We’ll replace your locks so you’re safe and sound in a flash (£750 limit applied to Essentials, up to your contents limit on Home or Home Plus)
Find out more information about our optional extras and what's not covered.
Why choose LV= Home insurance to cover your buildings and contents?
- 24-hour UK emergency helpline, if you need help in a hurry
- 5% discount when you buy home insurance online (excludes home emergency and home legal expenses)
- 12-month guarantee on all repairs when you use our recommended repairer service
- Choose from our three levels of home insurance, Essentials, Home or Home Plus
- We've been given the prestigious Defaqto 5 Star Rating for our Home and Home Plus insurance
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 4.7 out of 5 based on 440 customer reviews independently verified by Feefo
Correct as of 26 May 2026.
More about LV= home insurance
Compare our Essentials, Home and Home Plus policies
Just select the level of cover when you get your quote – here's how they compare:
| What we'll cover | Essentials | Home | Home Plus |
|---|---|---|---|
| The cost to rebuild your home | £500,000 | £1 million | Unlimited |
| Alternative accommodation if repairs to your home following a claim mean you can't stay there | £30,000 | £75,000 | £100,000 |
| Trace and access if there's a leak in your property | No cover | £5,000 | £10,000 |
| 12-month warranty on all repairs when you use our recommended repairer service | Included | Included | Included |
| Accidental damage cover in case fixtures and fittings like your windows, toilets or baths get damaged | Optional |
Included | Included |
| Enhanced accidental damage for buildings | Optional | Optional | Included |
| Personal belongings away from home | Optional | Optional | Included |
| Bicycles away from home | Optional | Optional | Included |
| Locks and keys replacement | £750 | Included | Included |
| Contents of your home | £15k - £50k | £25k - £100k | Up to £150k |
| Accidental damage cover for your TVs, DVD players, games consoles and computers | Optional |
Included | Included |
| Enhanced accidental damage cover for contents | Optional | Optional | Included |
| Plants in the garden | No cover | £2,500 | £10,000 |
| Digital downloads cover if you need to replace your online music, movie and book collection | Included | Included | Included |
| Business equipment - including if you work from home | £5,000 | £15,000 | Included |