Allianz home insurance in 60 seconds
Allianz Home Insurance at a glance (2026)
Looking for a new quote?Direct Allianz home cover is closed to new customers. The like-for-like 2026 product is now sold under LV=, see our LV= home insurance review for the live rates, or compare alternatives in our independent UK insurance providers guide.
Allianz home insurance cover in 2026
Allianz Holdings plc completed the full acquisition of LV= General Insurance in May 2020, paying £578m for the remaining 51% on top of the £500m initial stake taken in 2017. The May 2020 closing date is the moment direct Allianz-brand home insurance effectively went off the shelf: every new personal home policy now sells under LV=, with Allianz Insurance plc named as underwriter on the schedule. Legacy direct Allianz home policies (policy numbers starting FLO) are still administered by Allianz but are no longer renewable, customers receive an LV=-branded renewal instead.
What remains under the Allianz brand for household cover in 2026 is therefore narrow but important to know: the Home & Legacy high-net-worth schemes (Prestige, Ultra and Ultimate), commercial property cover, landlord cover sold through brokers, and selected broker-panel deals where Allianz is the cheapest underwriter on the day. Petplan also sits inside Allianz Holdings but covers pets, not the home.
The Allianz home insurance product range
Home & Legacy Prestige
Allianz's entry HNW scheme: minimum £75,000 contents sum insured, 2 years alternative accommodation, £5m property owners' & personal liability and a £500 home-emergency limit.
- Min £75,000 contents.
- Unspec. fine art to £15,000.
- Up to £5m liability.
Home & Legacy Ultra
Mid HNW tier: minimum £150,000 contents, 3 years alternative accommodation, £10m liability cover and £1,000 home emergency. Suited to detached homes with collectibles.
- Min £150,000 contents.
- Unspec. art to £25,000.
- Liability to £10m.
Home & Legacy Ultimate
Top HNW tier: £250,000+ contents, 5 years alternative accommodation, £10m liability, and £25,000 cover for unspecified jewellery, art, antiques and collectibles.
- Min £250,000 contents.
- 5 yrs alternative accommodation.
- Worldwide all-risks valuables.
LV= Home (Allianz-underwritten)
The mainstream Allianz home product sold through the LV= brand since 2020. Buildings to £1m, contents to £75,000, single-item limit £1,500–£5,000 by tier.
- Buildings up to £1m.
- Contents up to £75,000.
- Sold via lv.com or brokers.
Landlord (broker)
Buildings and contents cover for residential lets, sold through brokers on the Allianz Commercial paper. Includes loss of rent and property owners' liability.
- Loss of rent included.
- Property owners' liability £5m.
- Sold via Allianz broker hub.
Legacy Allianz Home (FLO)
Pre-2020 Allianz direct home policies (FLO prefix) are still serviced by Allianz but cannot be renewed under the Allianz brand. At renewal they migrate to an LV= contract.
- FLO-prefix policy numbers.
- Renewals move to LV=.
- Claims still via Allianz lines.
Prestige vs Ultra vs Ultimate: HNW comparison
| Feature | Prestige | Ultra | Ultimate |
|---|---|---|---|
| Minimum contents sum insured | £75,000 | £150,000 | £250,000+ |
| Buildings sum insured | Unlimited (declared) | Unlimited (declared) | Unlimited (declared) |
| Alternative accommodation | Up to 2 years | Up to 3 years | Up to 5 years |
| Property owners & personal liability | £5m | £10m | £10m |
| Unspecified fine art & antiques | £15,000 | £25,000 | £25,000 |
| Unspecified jewellery & watches | £5,000 | £10,000 | £25,000 |
| Home emergency limit | £500 | £1,000 | £1,000 |
| Accidental damage | Included | Included | Included |
| Worldwide all-risks valuables | Optional | Included | Included |
| Defaqto rating (2026) | 5 stars | 5 stars | 5 stars |
Source: Allianz Home & Legacy 2026 brochure and IPID documents, May 2026.
Do you need HNW cover?Home & Legacy is designed for households with contents above £75,000, fine art, jewellery, antiques or wine collections. Below that threshold, mainstream LV= Home Plus is normally better value. Sums insured are declared, you tell the underwriter the true total.
Allianz home insurance prices in 2026
Since direct Allianz-brand home cover is closed to new business, the relevant 2026 price benchmarks are the LV=-underwritten successor product (with Allianz Insurance plc as the underwriter on the schedule) and the Home & Legacy HNW tiers. After two years of double-digit increases, mainstream UK home insurance premiums fell 2.5% in Q1 2026, according to the ABI's Home Insurance Premium Tracker; HNW pricing was broadly flat.
| Policy | UK average annual premium | Allianz / LV= | Comment |
|---|---|---|---|
| Mainstream combined buildings & contents | £276 | £258 | Sold under LV=, Allianz-underwritten |
| Buildings only | £152 | £144 | Via LV= or broker panel |
| Home & Legacy Prestige (contents £100k) | £720 | £695 | HNW broker only |
| Home & Legacy Ultra (contents £200k) | £1,180 | £1,135 | Includes worldwide valuables |
| Landlord (buy-to-let, £200k rebuild) | £328 | £312 | Through Allianz commercial broker |
Source: ABI Home Insurance Premium Tracker Q1 2026, Allianz Home & Legacy 2026 published rates and Selectra quote tests via lv.com (May 2026, 3-bed semi, £200,000 rebuild value).
Excess: legacy Allianz-direct policies typically carried a £50 compulsory excess on most claims, rising to £250 for escape of water and £1,000 for subsidence. New LV=-branded equivalents keep the same structure. Home & Legacy HNW policies negotiate excesses on a case-by-case basis.
Allianz home insurance cancellation policy
Allianz applies a 14-day cooling-off period on every home policy from the day cover starts (or the day you receive your documents, whichever is later). After that, you can still cancel but a fee applies. The headline rules are the same whether your policy is on a legacy Allianz contract or has migrated to LV=.
| Scenario | Refund | Fees |
|---|---|---|
| Cancel within 14 days, cover not yet started | Full premium refunded | No fee |
| Cancel within 14 days, cover has started | Pro-rata refund for unused cover | No fee (premium for used days retained) |
| Cancel after 14 days, no claim | Pro-rata refund for unused cover | £50 exit fee + insurance premium tax |
| Cancel after a claim | No refund of remaining premium | £50 exit fee still applies |
Allianz home insurance cancellation fees as published in 2026 IPID documents.
Allianz home insurance customer service
Allianz operates different phone lines depending on what you need. Numbers in Selectra blue are the ones most home insurance customers reach for first. For new mainstream quotes, the line is now LV=; Allianz keeps a dedicated broker hub for commercial and HNW business.
Contact Allianz by phone
New home quote
Now sold via LV=
0330 678 5111
Mon–Fri 08:00–20:00, Sat 09:00–17:00
Top lineHome claims (legacy Allianz)
FLO-prefix direct policies
0345 073 1114
24/7
Top lineHome emergency (LV=)
Plumbing, drains, electrics
0330 678 5246
24/7
Home & Legacy (HNW)
Prestige / Ultra / Ultimate
01895 745 345
Mon–Fri 09:00–17:30
Broker / commercial hub
General Allianz UK
0344 893 9500
Mon–Fri 09:00–17:00
Commercial claims
Property & landlord broker
0344 893 9501
Mon–Fri 09:00–17:00
Gas emergency
National Gas, suspected leak
0800 111 999
24/7
Petplan (pet insurance)
Allianz pet brand
0345 077 1934
Mon–Fri 08:00–20:00
Complaints (personal)
Customer relations
0344 893 9500
Mon–Fri 09:00–17:00
Head office switchboard
Guildford HQ
01483 552 555
Mon–Fri 09:00–17:00
SMS (deaf or HoH)
Text relay 18001
18001 0344 893 9500
Mon–Fri 09:00–17:00
Postal correspondence
57 Ladymead, Guildford
GU1 1DB
Mon–Fri 09:00–17:00
How to claim on an Allianz home policy
- If your policy schedule shows LV= as the brand, call the LV= home claims line on 0330 678 5550 (24/7).
- If your schedule shows a legacy Allianz FLO policy, call 0345 073 1114 (24/7).
- For theft or burglary, call the police first and get a crime reference number, the underwriter needs it before authorising the claim.
- Take photos and keep receipts or proof of ownership for any damaged or stolen items.
- For home emergencies (no heating, burst pipe, lockout) use the 24/7 LV= emergency line on 0330 678 5246.
Allianz home insurance head office
Allianz Insurance plc, 57 Ladymead, Guildford, Surrey GU1 1DB. Personal lines correspondence should be addressed to Customer Relations Manager, Allianz, Stour House, Deansleigh Road, Bournemouth BH7 7DT. For policy correspondence on the new LV= contract, use the address on your LV= policy schedule.
Allianz home insurance reviews and ratings
Direct Allianz home insurance gets very few reviews in 2026 because new sales have closed. The relevant scores are therefore LV= home insurance (the mainstream successor), Home & Legacy (the surviving HNW product) and the underlying Allianz Holdings complaints data published under FCA rules.
| Platform | Score | Reviews | Main themes |
|---|---|---|---|
| Defaqto Home & Legacy Prestige | 5 stars | Features-based | Generous unspecified valuables, strong service network |
| Defaqto LV=-underwritten Home Plus | 5 stars | Features-based | High level of standard cover |
| Trustpilot Allianz UK | 3.2/5 | 8,400+ | Mixed, claims handling complaints on closed-book policies |
| Trustpilot LV= | 4.3/5 | 70,000+ | Praised for ease of online claim, fast contractor dispatch |
| Fairer Finance LV= home insurance | 4 stars | Industry-led | Above average on transparency and claims |
Ratings collected May 2026 from Defaqto, Trustpilot and Fairer Finance.
What customers like
- Defaqto 5 stars on both Home & Legacy Prestige and the LV=-underwritten Home Plus product.
- Worldwide valuables cover as standard on Ultra and Ultimate tiers is unusual at this price point.
- HNW claims handling through Home & Legacy gets consistently strong feedback for case manager continuity.
- Underwriting depth: combined Allianz Holdings & LV= is now the second-largest UK home insurer, claims-paying ability rated AA by S&P.
Common criticism
- Brand confusion for legacy customers: bills, claims and renewals can arrive under either Allianz or LV= branding.
- Renewal price jumps on closed-book Allianz direct policies at the point of migration to LV=.
- No new Allianz-direct quotes: customers who specifically want the Allianz name must accept the LV= label going forward.
Selectra's verdict on Allianz home insurance in 2026
Strengths: 5-star Defaqto products on both mainstream (LV= label) and HNW (Home & Legacy), one of the deepest balance sheets in the UK market, mature claims operation through the combined Allianz/LV= back office, and a genuinely strong HNW proposition for properties with contents above £75,000.
Weaknesses: no direct-to-consumer Allianz-brand home cover, mandatory migration of legacy FLO policies to LV= at renewal, and the brand confusion that follows from running two front-end names on the same underwriter.
If you specifically want the Allianz security covenant, the right answer in 2026 is either LV= home insurance (mainstream) or Home & Legacy (HNW), both still underwritten by Allianz Insurance plc. Compare both against Aviva, Direct Line and AA Home Plus in our independent UK insurance providers guide before renewing.
Allianz home insurance FAQ
Not as a direct-to-consumer product. New mainstream home cover from the Allianz group sells under LV= since the May 2020 acquisition completed, with Allianz Insurance plc named as the underwriter on the schedule. The Allianz brand survives on selected broker panels and on the Home & Legacy high-net-worth schemes for households with contents above £75,000.
If your policy number starts with FLO, your policy is administered by Allianz but already underwritten by Liverpool Victoria Insurance Company Limited. At renewal you will receive an LV=-branded contract with the same underwriter. Cover and price will be quoted on the new schedule, but you keep your no-claims discount and policy history.
Yes. All current Allianz-group home products (Home & Legacy, LV=-underwritten Home and Home Plus, legacy FLO policies) cover damage caused by storms and floods up to the sums insured on your schedule. High-risk flood postcodes are typically placed through the Flood Re reinsurance scheme so cover remains available at affordable prices.
The underwriter is Liverpool Victoria Insurance Company Limited, a wholly owned subsidiary of Allianz Holdings plc. From a covenant point of view that is the same security as a direct Allianz UK policy, the only change is the brand on the front of the documents and on the website.
Within the 14-day cooling-off period you can cancel free of charge and get a full refund (pro-rata once cover has started). After 14 days, a £50 exit fee applies plus insurance premium tax, and you receive a pro-rata refund for unused months. Call the customer service line on 0344 893 9500 for legacy policies or LV= on 0330 678 5111 for the new contract.
Almost certainly. Home claims are noted on the Claims and Underwriting Exchange (CUE) database for five years and will push the next premium up by 10–25%, depending on cause and value. For escape-of-water and accidental-damage claims under £500, weigh up whether to claim at all, sometimes paying the repair out of pocket protects your no-claim discount.