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 insurance 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 |
What does LV home insurance cover?
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
Covers water damage caused by burst pipes in the property
✓ 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 46 key elements of standard buildings home insurance policies to come up with the buildings policy score and 65 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and factor this in 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. We then adjust the impact the more and less important elements have on the overall policy 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 2022. Next update in March 2023.
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 2022. Next update in March 2023.
'-' represents insufficient sample size (fewer than 30) to generate a star rating
How can you save money on LV home insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.
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?