Home Insurance - Options

At a glance

  • Comprehensive cover – and you can add more options if you want them for an extra cost
  • No interest charged if you pay in monthly instalments by Direct Debit
  • You’ll get the best online price returned from our panel of leading insurers
  • Receive a 10%  discount when you buy Home Options Insurance as an existing Lloyds Bank customer. Qualifying products  include Banking, Savings, Credit Cards, Mortgages, Loans and Insurance. The discount excludes Home Emergency and Legal Expences Cover. Conditions apply.
  • £50 cashback when you buy new combined buildings and contents insurance online and hold the policy for 70 days and pay your first premium. Conditions apply.

About Home Options

With Home Options Insurance you can save time by buying your home insurance online – choose buildings insurance, contents insurance or both and protect the things you love, right now. You'll get the best online price returned from our panel of leading insurers.

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 of up to 20% of the sum insured if your home is made uninhabitable after an insured event.
  • Architects’ and surveyors’ fees if the building is damaged by something you’re insured for.
  • Escape of water from, or the freezing of, fixed domestic water installations, or escape of oil from fixed domestic oil heating installations.
  • You’ll get the best online price returned from our panel of leading insurers.
  • Receive a 10%  discount when you buy Home Options Insurance as an existing Lloyds Bank customer. Qualifying products  include Banking, Savings, Credit Cards, Mortgages, Loans and Insurance. The discount excludes Home Emergency and Legal Expenses Cover. Conditions apply.
  • £50 cashback when you buy new combined buildings and contents insurance online and hold the policy for 70 days and pay your first premium. Conditions apply.

You get a range of benefits as standard with our Home Options Contents Insurance, as well as cover for the usual things like theft, fire, flood and earthquakes.

Extra benefits include:

  • A boost to your contents sum insured by 10% at those special times like Christmas or a family wedding. (up to a maximum of £3000)
  • Up to £7,500 for any single high-risk item.
  • Accidental damage cover for computers, TVs, video and audio installations.
  • You'll get the best online price returned from our panel of leading insurers.

For complete peace of mind, it’s easy to add optional extras, at additional cost, to your insurance so you’re covered for things like accidents and taking your valuables outside your home.

Extra benefits include:

  • Full accidental damage cover – cover your home and contents against accidental damage like spills on carpets or DIY damage.

  • Personal possessions outside the home – insure personal possessions like cameras, jewellery and money against accidental damage, accidental loss or theft outside the home.

  • Pedal cycles outside of the home – add pedal cycle cover outside your home and even abroad.

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.

Getting a quote is simple.

You’ll need to have these things to hand:

  • Address of the property you want to insure
  • Date when your current insurance runs out
  • Approximate year the property was built
  • Details of your home insurance claims history

Read the full policy details within the Policy Document.

You may get two different policy documents from two different underwriters if you buy combined Buildings and Contents insurance.

Need help?

To speak to one of our home insurance advisers call 0800 056 3040. For more details on our insurance products, try our Online Assistant.

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  • This offer applies if you take out a new Lloyds Bank Home Options combined buildings and contents policy by phone or online as a direct result of a combined policy quotation.
  • You must hold your combined policy for 70 days and pay your first premium when due.
  • Only one £50 cashback is payable per household.
  • The cashback will be paid within 90 days of your policy start date. If your premium is paid by Direct Debit, we will credit the account from which your payments are made. If you pay by any other method, we will send you a cheque payable to the first named policyholder.
  • This offer is not available if you already hold a Lloyds Bank branded policy which is either a buildings, contents or combined buildings and contents policy.
  • This offer cannot be used together with any other offer or promotion unless we tell you.
  • We may withdraw this offer at any time, but will pay the cashback if you take out the policy as a direct result of a quotation obtained before the withdrawal.
  • Please keep these conditions for future reference.
  • This offer is provided by Lloyds Bank Insurance Services Limited, Registered in England and Wales No 968406, Registered Office: 25 Gresham Street, London EC2V 7HN. Authorised and regulated by the Financial Conduct Authority.

Get a quote

Getting an online quote for Home Options insurance is easy

    Log in and follow the Home Insurance link on the right hand side.

      Need help?

      To speak to one of our home insurance advisers 0800 056 3040. Lines open Monday to Friday 8am to 6pm, Saturday 8am to 4pm and are closed on Sunday.

      For more detail on our insurance products, try our Online Assistant.

        Make a claim

        Find out how to make a claim on your home insurance.

        Why not try...

        Our Home Emergency cover can give you even more peace of mind.

        Policy documents

        Get full details of your policy.