LV= home insurance in 60 seconds
LV= Home Insurance at a glance (2026)
Could you save by switching?LV= Premier is competitive on combined buildings and contents, but mid-pack on standalone contents-only cover. See our independent guide to UK insurance providers for a side-by-side comparison.
LV= home insurance cover and tiers in 2026
LV= home insurance is a direct product: each quote is underwritten by Highway Insurance Company Ltd (an Allianz Holdings subsidiary) and serviced from Bournemouth. The 2026 line-up has three named tiers, all available as buildings only, contents only or combined. The combined policy is normally cheapest, and a single excess applies to a single event affecting both buildings and contents.
The LV= home insurance product range
LV= Bronze
Entry-level policy covering buildings up to £500,000, contents up to £50,000 and single-item limits of £1,500. Accidental damage and home emergency are optional add-ons.
- Up to £500,000 buildings cover.
- Contents to £50,000.
- Optional accidental damage.
LV= Silver
Mid-tier policy with up to £1m buildings, up to £75,000 contents, £2,500 single-item limits and limited accidental damage as standard. Optional home emergency add-on.
- Buildings cover to £1m.
- Contents to £75,000.
- Limited accidental damage included.
LV= Premier
Top-tier 5 Star Defaqto policy. Full accidental damage, family legal protection, home emergency and worldwide personal possessions all included as standard. Highest sums insured.
- Unlimited buildings cover.
- Home emergency & family legal included.
- Worldwide personal possessions to £7,500.
Holiday Home
For second homes in the UK kept unoccupied for long periods. Covers buildings, contents, outbuildings and limited holiday-letting use. EU holiday homes are not covered by LV=.
- UK second homes only.
- Cover for unoccupied periods.
- Limited holiday-letting allowance.
Landlord
Buildings and contents for properties let to private tenants, students or DSS tenants. Includes property owners' liability cover and optional loss-of-rent protection.
- Buildings cover for buy-to-let.
- Optional loss-of-rent cover.
- Property owners' liability included.
Home Emergency
24/7 emergency response for plumbing, drains, electrics, locks, pests and windows. Labour and parts up to £1,000 per incident. Included on Premier, optional on Bronze and Silver.
- 24/7 emergency callout.
- Up to £1,000 per incident.
- Boiler cover included on Premier.
Bronze vs Silver vs Premier
| Feature | Bronze | Silver | Premier |
|---|---|---|---|
| Buildings sum insured | Up to £500,000 | Up to £1m | Unlimited |
| Contents sum insured | Up to £50,000 | Up to £75,000 | Unlimited |
| Single-item limit (valuables) | £1,500 | £2,500 | £7,500 |
| Alternative accommodation | Up to £30,000 | Up to £50,000 | Unlimited |
| Lock & key replacement | Up to £500 | Up to £1,500 | Unlimited |
| Accidental damage | Optional | Limited (TVs, mirrors, audio) | Full, included |
| Home emergency | Optional | Optional | Included (boiler covered) |
| Family legal protection | Optional | Optional | Included |
| Worldwide personal possessions | Optional | Up to £5,000 | Up to £7,500 |
| Student possessions | Not available | Up to £5,000 | Up to £10,000 |
| Defaqto rating (2026) | 3 Stars | 4 Stars | 5 Stars |
Source: LV= policy summaries and IPID documents, May 2026.
Why Premier is usually the best buyLV= Premier costs around £30–40 a year more than Silver, but you get unlimited buildings cover, family legal protection (worth £25 standalone), home emergency with boiler cover (worth around £60) and worldwide personal possessions. For most owner-occupiers, Premier is the better net deal.
LV= home insurance prices in 2026
After two years of double-digit increases, UK home insurance premiums fell 2.5% in Q1 2026 as claims inflation eased, according to the ABI's Home Insurance Premium Tracker. LV= is competitive on combined buildings and contents (especially Premier) but mid-pack on contents-only cover and on flats in higher-risk postcodes.
| Policy | UK average annual premium | LV= Silver quote | LV= Premier quote |
|---|---|---|---|
| Combined buildings & contents (3-bed semi) | £276 | £258 | £294 |
| Buildings only | £152 | £146 | £172 |
| Contents only (mid-rise flat) | £112 | £118 | £134 |
| Premier combined, 4-bed detached | £368 | £341 | £385 |
Source: ABI Home Insurance Premium Tracker Q1 2026 + Selectra quote tests on lv.com (3-bed semi, £200,000 rebuild value, £40,000 contents, May 2026).
Excess: LV= home insurance carries a compulsory excess of £100 on most claims (rising to £1,000 for subsidence and £250 for escape of water). You can choose a voluntary excess from £0 to £500 to lower the premium.
My LV= login for home insurance
The My LV= account is shared across motor, home, pet, travel and breakdown. From the app or web account you can:
- View, download and email your policy schedule, IPID and key facts at any time.
- See your renewal date and price three weeks before renewal, and switch auto-renewal on or off.
- Add or remove sub-tenants, lodgers, valuables and high-risk items above the standard single-item limit.
- Start and track a claim, including uploading photos, receipts and contractor estimates.
- Use biometric login (Face ID, Touch ID and Android fingerprint) on the iOS and Android apps.
Forgotten your password?Reset it via the My LV= login page using the email address on your policy. The reset link is valid for one hour; if it expires, request a new one or use the help options on the official lv.com/insurance/contact-us page.
LV= home insurance cancellation policy
LV= gives you a 14-day cooling-off period from the date you receive your documents (or from when cover starts, if later) to cancel and get most of your money back. After that, you can still cancel but the fees increase.
| 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 | Minimum £20 short-term charge |
| Cancel after 14 days, no claim | Pro-rata refund for unused cover | Minimum £20 short-term charge, £50 cancellation fee |
| Cancel after a claim | No refund of remaining premium | £50 cancellation fee still applies |
LV= home insurance cancellation fees as published in 2026 IPID documents.
LV= home insurance customer service
LV= runs different phone lines depending on what you need (quotes, home claims, home emergency, legal expenses), and these numbers change from time to time. To avoid being given an out-of-date number, always take the line that matches your enquiry from an official LV= source rather than a third-party listing.
How to contact LV= for home insurance
- The number on your policy documents: your policy schedule lists the correct lines for quotes, mid-term changes, cancellations, home claims and the 24/7 home-emergency service; this is the most reliable source.
- Official contact page: every current LV= home insurance phone line and its opening hours are published at lv.com/insurance/contact-us.
- My LV=: log in to the app or web account to start a quote, change cover, renew, cancel or report a claim without calling.
- On this site: see our LV= contact page for an overview of how to reach each department.
How to claim on LV= home insurance
- Report the claim as soon as you can using the 24/7 home claims number on your policy documents or in My LV=.
- For theft or burglary, call the police first and get a crime reference number; LV= needs it before authorising the claim.
- Take photos and keep receipts or proof of ownership for any damaged or stolen items.
- The agent issues a claim reference and either dispatches an LV= approved tradesperson or asks you to get up to two estimates.
- For home emergencies (no heating, burst pipe, lockout) and legal expenses, use the dedicated lines listed on your policy schedule or at lv.com/insurance/contact-us.
LV= home insurance head office
Liverpool Victoria General Insurance Group Ltd, County Gates, Bournemouth BH1 2NF. Legal expenses claims are handled by ARAG plc on behalf of LV= and use the address on your legal-protection policy schedule. For all other policy correspondence, use the address on your home policy schedule.
LV= home insurance reviews and ratings
LV= is one of the most consistently top-rated UK home insurers across customer surveys and industry ratings. Trustpilot scores are excellent, Defaqto rates Premier at 5 Stars, and Which? has listed LV= as a Recommended Provider for home insurance for several years running.
| Platform | Score | Reviews | Main themes |
|---|---|---|---|
| Trustpilot (all LV= products) | 4.7/5 | 200,000+ | Easy quote, fast claims, clear renewal letters |
| Defaqto LV= Premier | 5 Stars | Features-based | High level of standard cover, generous single-item limits |
| Fairer Finance home insurance | 4 Stars | Industry-led | Upper-quartile transparency, strong on claims |
| Which? Home insurance survey 2025 | 4/5 | Consumer panel | Recommended Provider, strong on claims handling |
| Feefo (home insurance) | 4.6/5 | 11,000+ | Easy quote, polite agents, fast document delivery |
Ratings collected May 2026 from Trustpilot, Defaqto, Fairer Finance, Which? and Feefo.
What customers like
- Defaqto 5 Stars on Premier for both buildings and contents, with generous standard limits.
- Home emergency at £1,000 per incident included on Premier, with boiler cover and 24/7 callout.
- Which? Recommended Provider: LV= has scored Which? Recommended in home insurance every year since 2017.
- Claims line answered quickly, with fast cash settlements for low-value contents claims under £500.
Common criticism
- Bronze tier is mid-pack on features; for the small price gap, Silver or Premier is the better buy.
- £100 compulsory excess on most claims is double the £50 some competitors offer.
- Contents-only cover is around 10% above the UK average for flats and leasehold properties.
Selectra's verdict on LV= home insurance in 2026
Strengths: a 5 Star Defaqto Premier policy, full accidental damage and home emergency included on Premier, Which? Recommended Provider status, fast cash settlement of small claims and a UK-based claims team that ranks at the top of Trustpilot.
Weaknesses: £100 compulsory excess, contents-only cover slightly above the UK average and a Bronze tier that is too thin to be competitive against rival entry policies. Most buyers should jump straight to Silver or Premier.
If service and claims handling matter to you, LV= Premier is one of the best home insurance policies on the UK market in 2026. Run a side-by-side comparison with Aviva, Direct Line and AA Home Plus before you renew, our UK insurance providers guide has the live rankings.
LV= home insurance FAQ
Yes. LV= home insurance is underwritten in-house by Highway Insurance Company Ltd, part of Allianz Holdings, and serviced from the LV= head office in Bournemouth. Your certificate of insurance will name the underwriter, but claims and renewals are handled by LV= directly, not by a separate Allianz brand.
Yes. All three LV= home insurance tiers cover damage caused by storms and floods. Buildings and contents are covered up to the sums insured on your policy schedule. As with most UK insurers, LV= places certain flood claims through the Flood Re reinsurance scheme so high-risk postcodes remain insurable at affordable prices.
Yes, on Premier. The Premier tier includes full Home Emergency cover up to £1,000 per incident, including boiler breakdown, central heating failure, plumbing, drains, electrics, locks, pests and broken windows. On Bronze and Silver, Home Emergency is an optional paid add-on (around £60 a year) and the same cover applies.
Log in to My LV= and request a cancellation, or call the number printed on your policy documents. Within the 14-day cooling-off period the premium is refunded minus a small admin fee (or no fee if cover has not started). After 14 days, expect a pro-rata refund minus a £50 cancellation fee. You can also start a cancellation from My LV= and an agent will call you back.
Yes. LV= General Insurance is part of Allianz Holdings plc (since January 2024), but LV= continues to trade as its own brand from Bournemouth. The day-to-day customer experience has not changed under Allianz ownership and LV= retains its independent Defaqto ratings, Trustpilot reviews and Which? Recommended Provider status.
Almost certainly. Even small 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 the cause. For minor escape-of-water or accidental-damage claims under £500, weigh up whether to claim at all, sometimes paying the repair out of pocket protects your no-claim discount.