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Home Insurance buildings cover

Choose between two levels of quality cover and we’ll give you a range of reassuring benefits as standard

Features and benefits

  • Alternative accommodation for your family and domestic pets if you can’t live in your home because of an insured event.
  • Accidental damage to underground services such as underground pipes or drains belonging to you.
  • Receive 10% discount if you're an existing Lloyds Bank customer and buy home insurance online or by telephone. You’ll be asked to confirm that you have an existing account or product with Lloyds Bank (such as banking, savings, credit cards, mortgages, loans or insurance). Once confirmed the discount will be applied to your policy. Excludes Home Emergency and Legal Expenses cover. Conditions apply.

Keep in mind

What is buildings insurance?

Generally, buildings insurance covers the structure of your home and its fixtures and fittings (fitted bathrooms, for example) if they are damaged by events like flood, fire and storm.

What does buildings insurance cover?

Whether you choose Home Insurance or Home Insurance Premier, our buildings insurance gives you a range of benefits as standard. These include:

  • Property Owners’ Liability, in case of claims made against you by visitors who get injured following an accident at your home
  • Agreed architects’ and surveyors’ fees that are necessary if the building is damaged by any insured event and
  • Replacement of Sets Cover - following a successful claim, we’ll replace the undamaged items of a matching set if a reasonable match can’t be found.

Additional cover options

Choose from a wide range of additional cover options to tailor your policy to your requirements. Our additional cover options include:

  • Accidental Damage Cover - protects your buildings against things such as damage caused by DIY accidents. Covered as standard if you select our Home Insurance Premier option.
  • Outbuildings Cover - insures structures such as detached garages, sheds and summerhouses. Covered as standard if you select our Home Insurance Premier option.
  • Legal Expenses Cover - up to £50,000 to cover employment, contract or neighbour disputes and personal injury cases. Underwritten by DAS Legal Expenses Insurance Company Limited
  • Home Emergency Cover - protects against the cost of emergency repairs which wouldn't normally be covered by your home insurance. Underwritten by Royal & Sun Alliance Insurance plc.

For more information see the home insurance policy documents.

Online icon

Online

Getting an online quote is easy and you'll be able to compare our two levels of cover side-by-side

Get a quote

Log on to Internet Banking

Log on and follow the home insurance link on the left hand side.

Phone icon

By phone

To speak to one of our home insurance advisers call

0800 056 3040

Lines are open 8am-6pm Mon-Fri, 8am-4pm Sat

Get or retrieve a quote online

Getting a quote is simple and you'll be able to compare our two levels of cover side-by-side. You’ll need to have these things to hand: the address of the property you want to insure, the date when your current insurance runs out, the approximate year the property was built, and details of your home insurance claims history.

Get a quote

It'll take about ten minutes to get a quote online

Get a quote

Already got a quote saved?

Retrieve a quote

Log on to Internet Banking

Log on and follow the home insurance link on the left hand side.

Log on

Important legal information

Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at www.fca.org.ukVisit the Financial Conduct Authority website. Lloyds Bank plc is a member of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the code can be obtained from www.lendingstandardsboard.org.ukVisit the Lending Standards Board website.

Lloyds Bank plc registered office:
25 Gresham Street,
London EC2V 7HN.
Registered in England and Wales No. 2065