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LV (Liverpool Victoria): Home insurance reviews

Name: Home insurance
Rating: 3.99 (148 reviews)

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3.99

Based on 148 reviews, last reviewed 2nd Sep 2026

600% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

51%

19%

26%

Latest highest rating:

5

I've had home insurance with LV continuously for man... I've had home insurance with LV continuously for many years. At renewal, their premium is always competitive. Reviewed on: 2nd September 2026

Latest lowest rating:

1

A Newborn Baby, Months of Disruption, and Zero Empathy I never thought I’d be writing a review like this, but our experience has been so upsetting & exhausting that I feel I have to share it & I genuinely ... Read more Reviewed on: 17th April 2026

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About this product

LV= offer three levels of home insurance cover: Essentials, Home and Home Plus.

Essentials is the most basic cover. LV= Home and Home Plus have additional cover with some optional extras included as standard including accidental damage and locks and keys replacement. You can get a quote for LV= home insurance online.

LV= home insurance reviews help you find out what it’s really like to be a customer. If you’ve used LV= before, you can also leave a review and share your experience.

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LV (Liverpool Victoria) Home insurance reviews (148)

Floor subsidence and now building subsidence

Floor has dropped 2cm and cracking at foot of windows ( windows to the floor level). Carried out survey, said next step to send an engineer to take a bite hole sample. Never came and refused to pay for repairs. Comment from LV ware and tear! Estimate to repair £16,000. Now 9 months on building subsidence in same area as floor subsidence. Called LV, said they would get in touch 48 hours. 6 days later we called again said call back same afternoon, nothing. Another 2 days went by we called again and still waiting fir call back. We are living a nightmare and they don’t care! Reviewed on: 21st October 2022

They didn't want my business!

After ca. 10 years with LV (home and cars insurance), they quoted me a 75% increase in house and contents cover following 1 claim for roof damage in Storm Eunice, February 2022. Not only that, on the phone the operator was completely uninterested in explaining or justifying this, and was simply in a hurry to cancel the cover on the policy end date. I will take all my policies elsewhere. Reviewed on: 12th October 2022

MAKE IT UP AS THEY GO ALONG

Have been with LV for a few years,never had a claim,unfortunately my son and partner also insured their first home together with LV.Early hrs of 06/09/22 there was a terrible storm and the previously perfect garden wall was struck by Lightning,Lv have been awful using some building firm to asess damage,they were ok but LV said the lightning had not happened despite it being in our local paper Shropshire star the next day,we now await deadlock letter before taking the case to the Ombudsman and neither family unit will be using LV again!!! Reviewed on: 5th October 2022

Excellent Customer Service

The claim was at after a rather traumatic incident. The care and compassion we were shown was exactly what we needed. I can honestly say that LV has excellent customer service. They did not give us a run around. The claim was settled speedily. In less than 5 working days the funds were in our account. The heart is real. Each person I spoke to was polite , warm and professional. Reviewed on: 6th September 2022

Awful experience with LV - please avoid

Haven’t been able to claim for a leaking pipe despite it causing damage - it might be worth asking LV what they do actually insure as it doesn’t seem to be for the service you’d expect from a home insurance policy. Absolute rubbish. Was originally told we’d be covered now we’re going to have to find thousands of pounds to fix the issue. I would definitely not recommend this company. Reviewed on: 26th August 2022

Fair value and hassle free

Switched to LV from my long term provider after they failed to recognise loyalty. LV sold me a better policy at a lower price Reviewed on: 18th August 2022

Very happy

Easy to set up, good value, and clear communication Reviewed on: 16th August 2022

Good so far!

I’m a new customer, it’s was an easy transfer Reviewed on: 15th August 2022

No fuss

Competent and simple, with clear documentation Reviewed on: 15th August 2022

Incredibly Helpful

As well as being good value, LV staff have been exceptionally helpful in resolving issues with my Mothers insurance, for which I am POA, and have gone above and beyond what I would have expected. It is lovely to deal with people who think outside the box and don't just work from a standard computer tick list of options. Well done LV Reviewed on: 14th August 2022

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