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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
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We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.
In this article
LV offers three home insurance policies: its standard Home policy, a stripped-back Essentials policy and a more comprehensive Plus policy. These are available direct from LV, and you can also find LV policies on insurance comparison websites.
We've also surveyed 121 LV customers who have recently made a home insurance claim.
While LV was founded in 1843, the LV General Insurance brand – which also offers car insurance, life insurance, travel insurance and pet insurance – has been owned by Allianz since 2020.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
LV’s Plus policy scored highly - but only for its contents cover.
76%
Policies
out of 21 home insurers with a customer score
See how this compares with the best home insurance, or read more about how we rate home insurance.
We've 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 | Included | |
| Buildings - Escape of water excess | £500 | |
| 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 | |
| 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 sum insured | |
| Contents - Damage to contents in an outbuilding | Up to sum insured | |
| Contents - Personal possessions cover single item limit | £5,000 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
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Dean Sobers, Which? home insurance expert, says:
The contents cover in LV’s Plus policy scored an impressive 75% and is in the top fifth of our table. However, its buildings policy lands in the bottom fifth with a score of just 59%.
It was potentially in the running for a Best Buy for its contents cover, but LV’s chances were scuppered by underwhelming customer feedback and a below-average claims acceptance rate.
The Plus policy’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 includes £5m legal liability cover. With most policies, cover ranges from £1m to £2m.
We were less impressed by its compulsory excesses, which tended to be comparatively high – £350 for buildings and contents cover. It also didn’t have a definition of ‘storm’ in its policy wording, which would have given policyholders an idea of how well their policy might protect them against adverse weather.
Plus was a standout when it came to garden cover – with trees and plants covered for up to £10,000, and relandscaping costs up to the overall contents sum insured (which can be up to £150,000).
Damage and theft to garden furniture are also covered.
LV’s mid-range Home policy had a similar buildings score to Plus – 58%. Its contents score was an average 67%.
Its streamlined budget policy – Essentials – was decidedly below average on both counts in our analysis. It scored 56% for both buildings and contents (with the averages being 71% and 67%, respectively).
We asked LV customers who have recently made a claim how they felt about their home insurance.
LV received a customer score of 76% – joint 14th out of 21 providers rated, alongside two other insurers.
It scored 74% when we asked people to rate its claims handling – 18th out of 22 brands in our table. See the full list of results here.
When we asked more about the rating customers gave LV, one claimant told us: 'They handled my claim very efficiently and were very helpful throughout the process.'
Not all customers were as enthused - with another commenting, 'They did pay out after prompting but it was hard work.'
| How comprehensive the policies are | |
| How affordable the policies are | |
| Clarity of policy | |
| Dealing with queries | |
| Dealing with complaints | |
| Value for money | |
| Fair treatment of long-standing customers | n/a |
Table last updated in September 2026. Next update in September 2027.
'n/a' represents where we have insufficient sample size (less than 40) to generate a star rating.
LV sample size: Customer score, 121; Claims score, 138
LV appears on the following comparison sites:
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 2026. For more ways to save money when buying insurance, see our guide.
With a customer score of 76%, LV sits in 14th place overall in our satisfaction table, coming just below First Direct (77%) and slightly ahead of Churchill and Co-op Insurance (which both scored 75%).
Its standard Home buildings policy scored 58% and ranks 31st in our standard buildings cover table. This lands it just behind standard cover from Uinsure and Virgin (67%) and ahead of standard cover from Co-op Insurance (50%).
As for contents insurance, its standard Home policy scored 67% and sits in joint 14th place among standard policies. It ties with other standard products, matching standard contents policies from Churchill and Lemonade.
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.
While the contents cover of its Plus policy looked promising on paper, LV’s muted customer feedback and sub-average claims record suggest it may not deliver if you need to make a claim.
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