Home insurance

Home insurance for the place you love most
Your home quoteYour saved home quote

Why choose LV= home insurance to cover your buildings and contents?

What's covered?

Whether you choose Essentials, Home or Home Plus, we'll protect your happy place

PLACEHOLDER
  • 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
  • Flexible contents cover  
    Because we know one size doesn't fit all
  • 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.
  • 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)

More about LV= home insurance

Choose between our Essentials, Home and Home Plus policies

Essentials Home Insurance

Looking for home insurance to cover the basics?

  • £500,000 buildings cover to rebuild your home
  • £25,000 towards alternative accommodation if repairs to your home following a claim mean you can't stay there
  • £25k - £50k home contents cover
  • Optional full accidental damage cover
  • Optional personal belongings cover away from home
  • Optional bicycles cover away from home

Home Insurance

Or are you searching for a policy you can tailor to suit you?

  • £1million buildings cover to rebuild your house
  • £50,000 towards alternative accommodation if repairs to your home following a claim mean you can’t stay there
  • £25k-£100k home contents cover
  • Optional full accidental damage cover
  • Optional personal belongings cover away from home
  • Optional bicycles cover away from home

Home Plus Insurance

Maybe you're looking for a home policy that gives you even more?

  • Unlimited buildings cover to rebuild your home 
  • £100,000 towards alternative accommodation if repairs to your home following a claim mean you can’t stay there
  • Up to £150k contents cover 
  • Full accidental damage cover
  • Personal belongings cover away from home
  • Bicycles cover away from home

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 £25,000 £50,000 £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
Full 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 £25k - £50k £25k - £100k Up to £150k
Accidental damage cover for your TVs, DVD players, games consoles and computers Optional
Included Included
Full 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

AWARDS AND RECOGNITION

Add our home insurance to your prized possessions

  • Given the prestigious Defaqto 5 Star Rating for our Home and Home Plus insurance