Home Insurance - Features and Benefits

Choose between two levels of high quality, affordable cover you can tailor to your specific needs

Features and benefits

  • You can choose buildings insurance, contents insurance, or both, plus you can add extra cover options at an additional cost.
  • Get a 40% discount introductory offer for your first year when you buy a new buildings, contents or combined buildings and contents policy. Conditions apply.
  • 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. Conditions apply.
  • Club Lloyds customers can also get an extra 10% discount when they take out a combined buildings and contents policy either by logging in, getting a quote and buying through Internet Banking or by telephone. Conditions apply.

Keep in mind

  • Limits and exclusions apply to all levels of cover. Read our policy documents for full details.
  • All discounts exclude Home Emergency and Legal Expenses cover. These offers can be taken together but multiple discounts are applied consecutively which may reduce the overall discount you receive.

We offer two levels of cover:
Home Insurance - Flexible cover you can tailor to your specific needs.
Home Insurance Premier - Higher limits and more cover provided as standard.

Here is a summary of what our home insurance policies cover. See our policy documents for full details on limits, terms and exclusions.

Buildings Insurance

Cover limits shown in this section are part of, not in addition to, the overall 'Private residence cover' limit.

Home Insurance LimitHome Insurance Premier Limit
Private Residence Cover Up to £500,000* (included) Unlimited** (included)
Outbuildings Cover Up to £500,000* (optional) Unlimited** (included)
Accidental Damage Cover Up to £500,000* (optional) Unlimited** (included)
Replacement of Sets Cover Up to £500,000* (included) Unlimited** (included)

* Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be selected if required. This is limited up to £1,000,000 for buildings.

** There are elements of cover which are subject to lower limits (e.g. alternative accommodation).

Contents Insurance

Cover limits shown in this section are part of, not in addition to, the overall Private Residence Cover limit. This doesn’t apply to Pedal Cycle Cover or Specified Items Cover.

Home Insurance Limit Home Insurance Premier Limit
Private Residence Cover Up to £75,000* (included) Unlimited** (included)
Contents In Outbuildings And In The Open Cover

Up to £5,000 in Outbuildings (optional)

Up to £1,000 in the Open (optional)

Up to £10,000 in Outbuildings (included)

Up to £2,000 in the Open (included)

Accidental Damage Cover Up to £75,000* (optional) Unlimited** (included)
Replacement of Sets Cover Up to £75,000* (included) Unlimited** (included)
Personal Belongings Away From The Home Cover Up to £15,000 (optional) Up to £25,000 (optional)
Students' Contents Away From Home Cover Up to £10,000 (optional) Up to £10,000 (optional)
Pedal Cycle Cover Up to £10,000 (£5,000 limit per pedal cycle) (optional)
Up to £10,000 (£5,000 limit per pedal cycle) (optional)
Specified Items Cover (individually worth over £3,000) Total limit of £30,000 (optional) Total limit of £50,000 (optional)

* Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be selected if required. This is limited up to £100,000 for contents.

** There are elements of cover which are subject to lower limits (e.g. alternative accommodation).

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.

Whichever level of cover you choose, our buildings insurance gives you a range of benefits as standard. These include:

  • Alternative accommodation costs for your family and domestic pets if you can’t live in your home because of an insured event.
  • 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.
  • Accidental damage to underground services such as underground pipes or drains belonging to you, and
  • Property Owners’ Liability - in case of claims made against you by visitors who get injured following an accident at your home.

Find out more about Lloyds Bank buildings insurance

Contents insurance generally covers things you’d usually pack up and put in a removal van if you moved home if they are stolen or damaged by events like flood, fire and storm.

Whichever level of cover you choose, our contents insurance gives you a range of benefits as standard, including:

  • Alternative accommodation - for your family and domestic pets if you can’t live in your home because of an insured event.
  • 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.
  • Freezer Contents Cover in your private residence, with a low £25 excess.

Find out more about Lloyds Bank contents insurance

Choose from a wide range of additional cover options to tailor your policy to your exact requirements, such as:

  • Accidental Damage Cover - protects against accidental damage like spills on carpets or DIY damage (available if you take out contents insurance, buildings insurance, or both). Included as standard with Home Insurance Premier.
  • Outbuildings Cover - insures external structures such as detached garages, sheds and summerhouses, and their contents when you select Contents In Outbuildings And In The Open Cover. Both included as standard with Home Insurance Premier.
  • Personal Belongings Away From The Home Cover - protects items such as phones, tablets, cameras, jewellery and more while you’re outside the home.
  • Pedal Cycle Cover - protected for events inside your home or out on the road.
  • Students' Contents Away From Home Cover - students’ possessions protected whilst in halls of residence or any other rented student accommodation.
  • 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.

Keep in mind limits apply to additional covers. Read our policy documents for full details. 

Home Emergency Cover

Home Emergency Cover can help set your mind at rest by covering the cost of emergency repairs. It covers things like electricity failure and damage to locks and windows.

This insurance is underwritten by Royal & Sun Alliance Insurance plc.

Find out more about Home Emergency Cover

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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.

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By phone

To speak to one of our home insurance advisers, call

0800 056 3040

Lines are open 8am-8pm 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.

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