Home Options Insurance

Protect the things you love and tailor the cover to meet your needs, with more options if you want them for extra cost

Features and benefits

  • You can choose buildings insurance, contents insurance, or both, plus you can add extra cover options at an additional cost.
  • Pay monthly by Direct Debit and there's no interest charged.
  • 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 and Legal Expenses Cover. Conditions apply.
  • Receive £50 cashback if you buy a new combined buildings and contents policy. Your cashback is paid after you've paid your first premium and held your policy for 70 days (conditions apply).

Keep in mind

What is Home Options Insurance?

Lloyds Bank Home Options is arranged and administered by Lloyds Bank Insurance Services Limited. With Home Options Insurance you can save time by buying your home insurance online. Protect the things you love by choosing buildings insurance, contents insurance, or both.

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 is contents 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 extreme weather.

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.

Find out more about Home Options buildings insurance

You get a range of benefits as standard with our Home Options contents insurance, including cover for the usual things like theft, fire, flood and earthquakes and:

  • a 10% boost to your insured contents sum at those special times like Christmas or a family wedding (up to a maximum of £3,000)
  • up to £7,500 for any single high-risk item
  • cover for accidental damage to computers, TVs, video and audio installations
  • cover for contents in the open within the boundaries of your home (£1,000 limit applies).

Find out more about Home Options contents insurance

For complete peace of mind, it’s easy to add optional extras, at additional cost, to your insurance. That way, you’re covered for other accidents that may happen and for taking your valuables outside your home.

Extra cover available (limits apply to all additional covers)

  • Full accidental damage optional cover against accidental damage like spills on carpets or DIY damage (available if you take out contents insurance, buildings insurance, or both).
  • Personal belongings outside the home – insure personal possessions like cameras, jewellery and money against accidental damage, accidental loss or theft outside the home.
  • Add pedal cycle cover to insured pedal cycles outside your home and even abroad.
  • Freezer contents cover will replace frozen food if the temperature on your freezer changes by accident or the refrigerant leaks and damages the food.
  • Legal expenses cover for contract, employment or neighbour disputes.
  • Clerical business use cover – for your business contents, stock or trade samples and business money if you use part of your home for business purposes.

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


Getting an online quote is easy

Get a quotefor Home Options insurance

Log on to Internet Banking

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

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. 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.

Retrieve a quote

Already got a quote saved?

Retrieve a quotefor Home Options Buildings Insurance

Get a quote

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

Get a quotefor Home Options Buildings Insurance

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.