Discover a simple improvement to add value to your home

These are the improvements that add value, but always seek an estate agent’s advice to make sure the added value will apply to your property.
Adding a conservatory can raise your house’s value by 4% to 5% according to the RICS and is a relatively simple and cost-effective way of increasing your space. Choose a design that complements the style of your home and make sure it doesn’t dominate your garden. Also think about its position: a south-facing conservatory needs ventilation and shade, while a north-facing room requires good heating.

To find out more about adding value to your home and Conservatories please click here.

Key benefits of Legal & General Home Insurance:

20% discount for three or more years claim free insurance
Up to 20% no claims discount
15% discount when you buy your home insurance online
17% discount when you insure buildings and contents together on the same policy

Save up to 43% today with Legal and General

Payment Protection included as standard
Option to include Family Legal Protection

 
Buildings

Buildings cover without the need for a rebuilding cost – blanket cover up to £500,000
Home Emergency Cover
Trace and Access cover up to £5,000
Option to include extended accidental damage cover

 
Contents

Range of bedroom rated home contents options £40,000, £50,000, £60,000 for flexibility and peace of mind
£5,000 credit card cover to protect against fraudulent use
Option to include extended accidental damage and personal possessions cover

Get your free Quote and see how much you could save. Up to 43% savings online only.

Eligibility criteria at a glance
The property you wish to insure:

isn’t a mobile home and has its own separate lockable front door
isn’t empty or awaiting sale or derelict or undergoing structural work
is in good condition and is built of brick, stone or concrete with a roof of slate, tile, asphalt, metal or concrete
isn’t left unoccupied for more than 60 days in a row
is your main domestic residence and is not a second property e.g. a holiday home
hasn’t suffered from structural movement, subsidence, landslip or heave
isn’t used for any business purposes
will not cost more than £1,000,000 to rebuild and its contents will not cost more than £150,000 to replace
isn’t in the Channel Islands or the Isle of Man
isn’t a listed building and has no more than 7 bedrooms
isn’t within a block of flats unless you require contents only cover
hasn’t suffered from flooding and is not located in an area which is under either a flood warning or severe flood warning issued by the Environment Agency
About the occupants:

you haven’t had more than 2 claims in the last 36 months
you haven’t been convicted of any non motoring criminal offence in the last 5 years

Why Choose LV= Home Insurance

a special online discount for new policies

the flexibility to choose the amount of contents cover you want

up to £1million cover for buildings as standard

up to £25,000 cover for the cost of alternative accommodation if you can’t live in your home in the event of a claim

identity fraud assistance helpline automatically included

a further discount for taking both buildings and contents cover

a quick and easy application process

up to £1,000 cover for loss or damage to hedges, trees, shrubs, plants and lawns

Defaqto 5 star rating for buildings and contents cover
Why Buy from LV=
As the UK’s largest friendly society we’re here to help you make the best choices when it comes to your money. With a range of savings , investments and insurance products that are both good value and award-winning, we’re bound to have something to interest you.
When we started in 1843 as Liverpool Victoria, our goal was to give financial security and peace of mind to more than just a privileged few. And today it’s much the same.
As a mutual, we don’t have to answer to external shareholders – so we can concentrate on looking after you.

The Motor Excess allows you to reduce your motor insurance premium by having a higher limit on your policy. With a higher excess on your insurance, you may be able to reduce the premium payable and save money.

Click here to find out more.

Buying your property has many fees, ranging from £0 through to £18,000 in no time at all. A typical £110,000 home requires a deposit usually around 15% for most mortgage lenders. Pop this on top of the arrangement fees that most lenders charge, usually another £1000. It is also recomended that you carry out a Survey on your new property, this is usually around £500, then there is the cost of a Solicitor, this will be from around £600, plus when you thought it was all over, there is the tax. Tax on a typical home is 1%, so that’s a further £1750.

Remember, the bigger the deposit you have, the better the mortgage deal you can expect. Lenders usually offer 3.5 times your annual income. A typical mortgage repayment based on the current rate (0.50%) on a £110,000 home is around £546 per month. But Remember, be honest, your income may drop and a typical mortgage requires payments on time every month for 25 years. Payments may rise.

There are different types of mortgages available, Fixed rate, you will know the exact repayment for a set period, or Tracker, A Tracker is based upon the interest rate set by the bank of England, remember, this rate can rise and fall.

Buying your first home is a dream for most, make sure you seek financial advice, work out your income and your outgoings, owning your own home is a wonderful investment for most, however, if you are unable to keep up the repayments on your mortgage or any loans secured on it, you may lose your home.