Founded in 1843, LV (sometimes referred to as LV=) is the UK's largest mutual society with over 5.8 million members and customers. Over its 175 years in operation, LV has grown to offer a range of financial products, including home insurance, car insurance and travel insurance.
LV's home insurance is underwritten by Liverpool Victoria Insurance Company Ltd.
LV offers the following levels of home insurance cover.
Policy | Policy level | Buildings - Maximum sum insured | Contents - Maximum sum insured |
---|---|---|---|
LV Home insurance | Standard | £1,000,000 | £100,000 |
LV Home Plus | Premium | Unlimited | £150,000 |
Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy |
- Read our reviews of all the insurers who took part in our home insurance analysis
What does LV home insurance cover
The information below gives an at-a-glance view of the key areas that LV's Home insurance covers as standard.
Elements marked with a ✓ are covered as standard; those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Burst Pipes
Policies will cover the cost of repairing burst pipes.
✓ Key cover
If your keys are lost or stolen, you can claim to replace them and change the locks.
£ Accidental damage
This would cover accidental damage to personal belongings, fixtures and fittings.
£ Home emergency
To cover callouts and temporary repairs resulting from home emergencies.
£ Personal possessions
This covers personal belongings against loss, accidental damage or theft when you take them outside the home.
£ Boiler cover
To cover boiler or central heating system failure.
£ Legal protection
This would cover legal costs from claims such as property and employment disputes.
Does LV offer the best home insurance?
Here's how LV scored in our latest home insurance survey:

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse home insurance
We analyse and rate 47 key elements of standard buildings home insurance policies to come up with the buildings policy score and 66 key elements of standard contents home insurance policies to create the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/ reduce their impact in the overall product score.
LV’s home insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
In detail: every part of LV's home insurance rated
Table last updated in March 2021. Next update in March 2022.
Does LV offer different levels of home insurance cover?
LV also offers Home Plus home insurance, which features a higher level of cover. Log in to find out how we rated it.
To see how LV's home insurance compares with other policies, check out our guide on the best and worst home insurance.
How did customers rate LV's home insurance?
As well as looking at how LV's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.
Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.
How LV's home insurance scored for seven elements of customer satisfaction
Table last updated in March 2021. Next update in March 2022.
'-' represents insufficient sample size (fewer than 30) to generate a star rating
Where can you buy LV home insurance?
You can take out a home insurance policy with LV either online or over the phone. It's available on the following price-comparison websites:
- Compare The Market
- Confused.com
- Go Compare
- MoneySuperMarket
Find more money-saving home insurance tips in our cheap home insurance guide.
What is LV's claims number?
If you need to make a claim with LV home insurance call 0800 032 2844.
Find out more: is it worth claiming on your home insurance?
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