By clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion.

18 Sept 2025

LV home insurance review

LV's policies did well but its customers were not impressed

Dean SobersSenior researcher & writer

Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.

Stylized text spelling "LOVE" with a heart-shaped "V," all in a bright green colour.

Get a great deal on your home insurance

We've partnered with MoneySuperMarket to help you compare a wide range of home insurance options in one place, with added insight from Which?

Get a quote with MoneySuperMarket and we'll highlight Which? Best Buys and Recommended Providers in your results.
This is a Which? exclusive, so you won't find our scores or expert analysis on other comparison sites.

Get a quote

Dive into the detail with our expert reviews

We rated 134 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 2,804 home insurance customers who made a claim within the past two years to score their insurer.

In this article

Does LV offer the best home insurance?
How good are LV's home insurance policies?
‘LV's policies impressed on paper’
How did customers rate LV home insurance?
How can you save money on LV home insurance?
How does LV compare with other providers?
How can I claim?
Should you buy LV home insurance?

While LV was founded in 1843, the LV General Insurance brand – which offers home insurance, car insurance, life insurance, travel insurance and pet insurance – has been owned by Allianz since 2020.

LV offers three home insurance policies: its standard Home policy, a value Essentials policy and a more comprehensive Plus policy.

These are available direct from LV, but you won't find any of the policies on price comparison sites.

We've also surveyed 84 LV customers who've recently made a home insurance claim.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Does LV offer the best home insurance?

Here's how LV scored in our latest home insurance survey.

62% customer score, placing it 15th out of the 17 providers rated.
76% buildings score on its standard policy 'Home', 6th out of the 35 policies compared.
74% contents score, 6th out of the 35 standard providers reviewed.
61% claims score, or joint 15th out of 24 brands compared.

See how this compares with the best home insurance, or read more about how we rate home insurance.

How good are LV's home insurance policies?

We reviewed three LV policies. Select a policy from our table to see what it offers and what we scored it.

Select a policy (highest to lowest scoring)

LV Plus

Search this table


Buildings - Alternative accommodation	£100,000
Buildings - Burst pipes	As standard
Buildings - Escape of water excess	£350
Home emergency cover limit	£1,000
Home emergency - Central heating/boiler repair	£1,000
Buildings - Groundwater flooding	Not covered	0 out of 5
Subsidence excess	£1,000
Contents - Valuables unspecified single item limit	£5,000
Contents - Alternative accommodation	£50,000
Contents - Accidental damage	Full cover included as standard
Contents - Guests' belongings	£2,000
Contents - Theft of contents in the open	£10,000
Contents - Damage to contents in the open	£10,000
Contents - Theft from outbuilding	Up to contents sum insured
Contents - Damage to contents in an outbuilding	Up to contents sum insured
Contents - Personal possessions cover single item limit	£30,000

Table last updated in September 2025. Next update in September 2026. We recommend checking policies before buying. See more on our scores below.

Need home insurance?

Use our customer scores to help you choose a great deal at MoneySuperMarket

Compare deals

Which? earns commission to fund its not-for-profit mission if you buy a product

‘LV's policies impressed on paper’

Dean Sobers, Which? home insurance expert, says:

With 76%, LV’s buildings policy was comfortably in the top half of standard policies reviewed, while its contents policy – with a score of 74% – was also well above average (68%).

LV's benefits include equal levels of contents cover for items stored in outbuildings (such as a garage or shed) as those kept in the home – whereas many other insurers offer less for contents in outbuildings.

It also comes with burst pipes cover as standard, which in the event of damage due to freezing, will cover repairs to the pipe as well as resulting water damage caused by leaks.

Storm cover

One area in which LV fell down in our analysis was the lack of a definition for ‘storm’ in its policy wording, making it difficult for customers to evaluate what barriers could exist between them and a successful storm claim.

In practice, the insurer considers storms to involve at least one of the following:

wind speeds with gusts of at least 47mph
torrential rainfall at a rate of at least 25mm/1 inch per hour
snow to a depth of at least 30 cm/1 foot in 24 hours
hail of such intensity that it causes damage to hard surfaces or breaks glass.

Essentials and Home Plus

LV's streamlined alternative policy – Essentials – may have a lower price, but check carefully that it meets your needs.

We gave its buildings cover 74% (again, better than the 71% average) but were unimpressed with its contents cover – which mustered a score of 61% compared to an average of 68%.

Areas it skimped on included trace and access cover (for locating leaks on your property) and contents stolen or damaged in the open, for example, in your garden.

LV's pricier Home Plus policy fared much better. With respective buildings and contents scores of 78% and 85%, it was one of the top 10 scoring policies in both categories (2nd out of 78 for contents).

Keeping its impressive-on-paper cover out of consideration for Best Buy status were LV's poor customer scores, which you can read more about below.

How did customers rate LV home insurance?

We asked LV customers who have recently made a claim how they felt about their home insurance.

LV received a customer score of 62% – 15th out of 17 providers rated, so there are other insurance companies that do better.

It scored 61% when we asked people to rate its claims handling – joint 15th out of 24 brands compared. See the list of results here.

When we asked more about why people gave LV the rating they did, one satisfied customer told us: 'I lost one of my hearing aids in our garden. I read my policy document, phoned in the claim which was dealt with immediately. Settlement arrived within five working days.'

However, another customer wasn't so happy, saying: 'They provided conflicting information and updates, and stopped responding to emails.'

Select a table

Customer satisfaction


How comprehensive the policy cover is
How affordable the policies are
How thorough the application process is	-
Clarity of Policy
Dealing with queries
Fair treatment of long-standing customers
Dealing with complaints
Value for money

Table last updated in September 2025. Next update in September 2026.

"-" represents where we have insufficient sample size (less than 30) to generate a star rating.

LV sample size: Customer score, 84; Claims score, 102

How can you save money on LV home insurance?

LV currently applies a web discount, meaning its policies are cheaper to buy online than over the phone. You'll also make a saving if you buy both buildings and contents cover.

Like most insurers, LV doesn't officially pledge to match other providers' deals. But if you're unhappy with the price LV is offering, it's always worth calling to discuss the quote.

Its Home, Essentials and Plus policies can only be bought direct. You won't find them on price comparison websites.

Want to pay monthly? LV charges interest of 19.1% APR, so you might be better off paying annually on an interest-free credit card.

The above information is correct as of August 2025. For more ways to save money when buying insurance, see our guide.

Visit LV directly to find out more about its home insurance policy.

How does LV compare with other providers?

With a customer score of 62%, LV sits below 1st Central in our table – which has a score of 64%.

LV's building cover for its standard Home policy scored 76%, just below standard policies from Quote Me Happy and Ecclesiastical, which both scored 77%.

As for contents insurance, LV's standard policy scored 74%, just below SAGIC's standard policy on 75%.

How can I claim?

If you need to make a claim with LV home insurance, call 0330 678 5000. In an emergency, call 0330 678 5246.

You can also claim via your account online.

Find out more: Is it worth claiming on your home insurance?

Should you buy LV home insurance?

Probably not. LV presents a conundrum because it has impressive policy scores but deeply unimpressive customer and claims scores.

With other insurers offering both good policies and with more satisfied customers, there's no need to take a risk on LV.

Find out how LV rates for other products

How we rate home insurance

Policy analysis

We analyse and rate 134 aspects of cover across insurers' policies, including their key buildings and contents features, and elements applicable to both kinds of cover (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.

Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).

Customer survey

We also surveyed 2,804 adults - members of the Which? Connect Panel and members of the public who had made a claim in the past two years. The survey was conducted in June-July 2025.

Our customer score reflects the general satisfaction of customers with their current insurer and their likelihood of recommending it. The claims score reflects how satisfied they were with how their most recent claim was handled and their likelihood of recommending the insurer for claims.

We review a lot of policies – and being a Best Buy recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy where there's evidence – from our surveys or from Financial Conduct Authority data – of poor service or a poorer-than-average record of paying claims.

Buildings Best Buy policies must have a minimum buildings policy score of 73%
Contents Best Buy policies must have a contents score of at least 71%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated (find out more: how we rate policies).

Lastly, all Best Buy policies must have – or make available – the following levels of cover as a minimum:

Buildings

Flood, storm, subsidence and accidental damage cover; Cover for burst or blocked pipes; Trace and access cover (£5,000); Alternative accommodation (£50,000) with no time limit; Property owner liability (£1m); Replacement of locks or keys for external doors (£500); Home Emergency Cover (£500 and includes the central heating system).

Contents

Accidental damage cover; Theft and damage of contents in the open; Theft and damage of contents from outbuildings; Business equipment; Alternative accommodation (£15,000); Money in the home (£500); Valuables (unspecified single item limit – £2,000); Personal possessions (unspecified single item limit - £1,000); Replacement of locks or keys for external doors (£500).