Essentials, Home and Home Plus
OUR ASSESSMENT
Tier differences affect both rebuilding and home-working protection. The Home Plus headline should not be attributed to every LV= quote.
Features to compare
- Buildings limits are £500,000 for Essentials, £1 million for Home and unlimited for Home Plus, subject to eligibility and terms.
- Published business-equipment limits are £5,000, £15,000 and the selected contents limit respectively.
Limitations and checks
- The listed limited accidental-damage benefits on Home/Home Plus do not mean every accident is insured; check extended cover.
The question to ask
Is my work equipment within the selected tier’s limit, and is accidental damage to it covered?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 2026-09-27. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.
