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LV= Home Insurance

Highly rated Home Insurance from LV= Liverpool Victoria

As a CSMA Club member, you’ll love LV= ’s highly rated home insurance. With a Defaqto 5 Star Rating for the ninth year running, you’ll get peace of mind knowing your home cover offers high quality and excellent value.

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IMPORTANT: Storm Desmond

If you’re affected by Storm Desmond please follow the link to find out what you should do if you have an LV= Home Insurance Policy:

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CSMA Club Member Benefits

  • Exclusive CSMA Club saving on LV= public prices
  • 15% discount off combined buildings & contents cover for existing LV= car insurance customers
  • LV= multi product discounts including 5% off car insurance and 10% off travel insurance

When  more than one discount is relevant, each is applied individually.

Great reasons to insure your home with LV= 

With LV= ’s buildings & contents insurance you get these great policy features giving you complete peace of mind:

  • Top rated cover – 5 Star Defaqto rating for the ninth year running
  • £1 million buildings cover
  • £25,000 cover just in case you need somewhere else to stay
  • New for old cover on most contents
  • Repairs by LV= approved suppliers are guaranteed for 12 months
  • Accidental damage for laptops, TVs and games consoles covered as standard
  • New locks and keys if your keys are lost or stolen
  • Legal advice and identity fraud assistance helplines
  • 24 hour UK claims line

Plus you can tailor your home cover with a great range of optional extras

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0800 272 333

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Exclusive member discount

Optional Extras

Tailor your cover

Choose from a great range of optional extras to enhance your home insurance – meaning you only pay for what you need.

Home Emergency Cover

In the event of a home emergency, get up to £500 for each problem, such as your boiler breaking down, issues with plumbing or even a pest infestation; available 24/7 to help you get back to normality.

Home Legal Expenses Cover

If matters turn legal, it’s good to know you’re covered for up to £100,000 in legal expenses to help with costs towards home-owner disputes and compensation claims.

Extended Accidental Damage Cover

Extend your accidental damage cover for your buildings and/or contents for accidents such as broken ornaments and damage caused by domestic pets.

Personal Belongings Cover when away from home

Add extra cover for your personal items such as jewellery, watches and golf clubs while you’re out and about in the UK and Europe with 60 days worldwide cover too.

Bicycle Cover when away from home

Protect your bicycle against theft or damage while away from your home in the UK or Europe (plus up to 60 days worldwide cover).

Policy Documents

Find out everything you need to know including what’s covered and home insurance optional extras in the LV= policy documents below.

Document of Home Insurance (PDF 372KB)

Home Insurance Policy Summary  (PDF 65KB)

Home Legal Expenses (PDF 292KB)

Policy Charges (PDF 21KB)

Home Insurance FAQs

How much should I insure my contents for?

To work out the total amount of contents insurance you’ll need, you should add together the value of all your contents including valuables, bicycles and personal possessions. The amount should also reflect how much it would cost to replace all of your items as new. Make sure that the amount you cover is correct so if you need to claim, you’ll be able to replace these items.

What is buildings insurance? How much do I need to insure my buildings for?

Buildings insurance covers loss or damage to the structure of your home and any that belong to it. This means things like your roof, walls, windows and doors are covered. For buildings insurance LV= offer cover of up to £1million; in most cases it takes away the risk of being under insured.

Can I take out a policy for just buildings or contents insurance?

Yes, you can take out a policy for just buildings or contents insurance.

What is home legal expenses and what does it cover?

Home legal expenses insurance is part of the range of home insurance optional extras and is available to you if you take out buildings and/or contents insurance. Home legal expenses Insurance helps with costs for legal claims and disputes (up to £100,000) to help you and any family members permanently living with you with compensation claims, employment disputes and your legal rights as a home-owner.

What does accidental damage cover?

Accidental damage is any damage caused by an unintentional accident. For example, tripping over and breaking something or dropping and damaging an item of value. You can choose to enhance your level of accidental damage cover for both buildings and contents.

Will my son’s/daughter’s contents be covered while they’re away at college or university?

LV= contents insurance provides cover of up to £5,000 for loss or damage to contents while temporarily kept in any student accommodation or any building in which you or your family study within the British Isles. Please see the Document of Home Insurance for more information.

What does my policy excess mean and what are my excesses?

An excess is the amount you must pay as the first part of any claim. Your excess may vary depending on the nature of your claim (for example an escape of water claim may have a different excess to an accidental damage claim). Policy excesses are listed on the home insurance schedule.

Contact LV= 


To make any amends or to renew your policy call the LV= service team on 0800 032 2799


If you need to make a claim, call the LV= claims team on 0800 032 2844

Opening hours

LV= home insurance sales and service lines are open:

8am – 9pm Monday to Friday
8am – 5pm Saturday
9am – 5pm Sunday and Bank Holidays

The Claims line is open 24 hours a day.

For TextDirect call 18001 followed by the advertised number.

Telephone calls may be monitored and/or recorded.

You can also write to LV= at the following address:

County Gates

LV= and Liverpool Victoria are registered trademarks of Liverpool Victoria Friendly Society Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria group of companies. Liverpool Victoria Insurance Company Limited, registered in England and Wales number 3232514 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202965. Registered address: County Gates, Bournemouth BH1 2NF. 

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Exclusive member discount on home insurance

Excellent cover - with a 5 Star Defaqto Rating

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