Home Options buildings cover

As well as the usual things covered like fire, flood, earthquakes and extreme weather, we’ll give you a range of benefits as standard

Features and benefits

  • Pay monthly by Direct Debit and there's no interest charged.
  • Insurance can be tailored to your needs. With buildings cover you can add full accidental damage cover and Home Emergency Cover at additional cost.
  • Receive a 10% discount in the first year when you buy Home Options Insurance as an existing Lloyds Bank customer. 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. The discount excludes Home Emergency Cover and Legal Expenses Cover. Conditions apply.

Keep in mind

  • If you choose to add any of the optional extras to your policy you'll have to pay an additional premium for each one.
  • Limits and exclusions apply to all levels of cover. Read our policy documents for full details.

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 extreme weather.

What does Home Options buildings insurance cover?

As well as the usual things covered like theft, fire, flood and earthquakes, our buildings insurance gives you a range of benefits as standard. These include:

  • alternative accommodation costs (for any one event we’ll pay a maximum 20% of the building limit shown in your policy schedule)
  • agreed architects’ and surveyors’ fees that are necessary if the building is damaged by any insured event and
  • the cost of damage caused by the escape of water from any domestic appliance or any fixed domestic water installation.

Optional extras

You can also take out additional accidental damage optional cover for your buildings for an extra premium. This can cover you for things like putting a nail through a pipe or putting your foot through the ceiling while doing DIY.

For more information see the Home Options policy documents.


If you're ready to apply, you can get a quote online now

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By phone

To speak to one of our home insurance advisers call

0800 056 3040Call telephone number 0800 056 3040

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

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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.