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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)

HIUGE PRICE INCREASE NO EXPLANATION

Had a 20% price uplift, no claims and no explanation, despite numerous contacts who promised a response that never came. Used to be a caring company but management changes give me the strong impression that they are living off a old reputation. Reviewed on: 30th September 2021

Terrible Communication

I initially went with LV because it had good reviews and a reasonable quote. Unfortunately I had water leak, the first call I had was really good and positive. I was put in contact with a Company LV use to carry out repairs. They came around and did a detailed inspection and could not pin point the exact problem. Now that was on around 15 October 2020, They took sample out of my wall and left. Fast foreword until 19 Nov 2020, I have tried and tried to get them to let know what was happening, assured a phone call back nothing. I managed to get hold of someone who was helpful and he explained there was a letter in the post. I got him to Email me the letter and to my astonishment I have basically be accused of fraud. I had a leak nearly 3 years ago and now they want me to produce receipts and quotes for the work that was carried out. I wrote back explaining that I have not got any but told them to look at the last time I had a leak it was different part of the house. I am now waiting for a reply but the way they have been so far with communication I doubt that I will hear back. It looks like I will have to go to the Ombudsman. I have never in all my years been so angry, i have been left with an unusable bathroom and bedroom. Reviewed on: 19th November 2020

Despite slogan they have no heart

We had our house insurance through Legal and General which was taken over by LV in January 20. In June we contacted L&G as we were concerned about possible subsidence to our home. After a very lengthy time scale due to a difference of opinion between L&G's subsidence team, who, after 3 attempts finally agreed to send a structural engineer out, but sent a surveyor round instead, and our own independent structural engineer as recommended by our builder we were informed that whether it was subsidence or settlement made no difference and we were not covered. As such, at a time when so many people are struggling financially due to Coronavirus, and at a time when lots of people are having issues with their mental health and emotional well being, we have been hit with a bill of thousands of pounds for an issue in our house that we were completely unaware of when we moved in, despite having a survey done. And an issue which is 100% not our fault. I am disgusted that we are not covered. And that L&G's policy makes the wording in their policy so ambiguous. We were certainly not aware that something so important and expensive is deliberately left out of policies and the insurance company do not make this clear for their customers. LV have the slogan 'It's our heart that sets us apart' I find this highly ironic. They are like any other insurance company. They have no heart! Reviewed on: 28th September 2020

No quibble service

Always helpful when in need of making a claim Reviewed on: 16th September 2020

excellent insurance

excellent insurance offering very good value ,best prices Reviewed on: 11th September 2020

Lovely Company to Deal With

Their customer service is second to none. Prompt settlement and reasonable premiums. I wouldn't want to go elsewhere. Reviewed on: 10th September 2020

Great value

Saved £100 on my renewal. Great service Reviewed on: 16th July 2020

Great

Great value for money Easy to purchase Reviewed on: 27th June 2020

House Insurance and more!

I have been with LV for house insurance in the past but recently I had to change my motorbike insurance and LV were the only company prepared to give me a realistic price on my premium! So once my house insurance was up for renewal I contacted them and the service I received was second to none. The process was easy and the customer support that I have experienced has been professional, friendly and efficient. Not to mention that the price I was given for my house insurance premium was great aswell! Thankyou LV again I really wouldn’t be able to have the bike I wanted without you. I hope I am able to insure all my household with you in the future. Keep up the good work! Reviewed on: 24th June 2020

mouse infestation

i had a mouse infestation. Over 2 weeks i had 10 burst water pipes chewed by mice i had pipes repaired by british gas insurance. I rand lv to deal with water damage .They said did it happen on same day . No over 2 weeks oh so your xs is £350 so time 10 your xs for repair is £3500 what a great deal Reviewed on: 6th December 2019

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