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This insurer isn't available on Confused.com, but you can get quotes from other insurers and compare the cheapest with our reviews.
Get a quotePlease 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.
In this article
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 this article is for information purposes only and does not constitute advice.
Here's how LV scored in our latest home insurance survey.
See how this compares with the best home insurance, or read more about how we rate home insurance.
We reviewed three LV policies. Select a policy from our table to see what it offers and what we scored it.
| 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 |
Table last updated in September 2025. Next update in September 2026. We recommend checking policies before buying.
This insurer isn't available on Confused.com, but you can get quotes from other insurers and compare the cheapest with our reviews.
Get a quotePlease 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.
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.
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:
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.
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.'
| 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 |
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
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.
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%.
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.
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 the right policy for your home using the service provided by Confused.com
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