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 40%

discount for new home insurance customers

in your first year when you buy a new policy. Conditions apply.

It'll take about 10 minutes.

+5%

additional discount for Lloyds Bank customers

in your first year when you confirm you have a Lloyds Bank product and buy a new policy. Conditions apply.

It'll take about 10 minutes.

 +10%

further discount for Club Lloyds customers

when you get a quote and buy a combined buildings and contents policy through Internet Banking. Conditions apply.

It'll take about 10 minutes.

Discounts exclude Home Emergency and Legal Expenses cover. Multiple discounts are applied consecutively which may reduce the overall discount you receive.

Already got a quote for Lloyds Bank Home Insurance?

If you've already completed a quote and would like to take out Home Insurance with us, there's no need to start your quote again. You can retrieve your quote online. You will need the following information to retrieve your quote: your Quote Reference Number, date of birth and the post code of the property you want to insure.

Retrieve a quote now

What is home insurance?

Home insurance comes in two parts, which you can buy separately, or together:

  • Buildings covers you for damage to the house itself, from fire or extreme weather, for example
  • Contents covers your belongings in the house against theft or flooding, for example
  • Combined covers both buildings and contents insurance under just the one policy. This can be simpler and less costly for you than buying them separately.

Our cover in more detail

We can offer you two levels of cover. Lloyds Bank Home Insurance is our tailored, flexible offering, while Home Insurance Premier has additional cover and higher limits included as standard.

Buildings insurance

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

Cover description

Home Insurance Limit

Home 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

Not available

Unlimited** (included)

Private residence cover

Home Insurance Limit

up to £500,000* (included)

Home Insurance Premier Limit

Unlimited** (included)

Outbuildings cover

Home Insurance Limit

up to £500,000* (optional)

Home Insurance Premier Limit

Unlimited** (included)

Accidental damage cover

Home Insurance Limit

up to £500,000* (optional)

Home Insurance Premier Limit

Unlimited** (included)

Replacement of sets cover

Home Insurance Limit

Not available

Home Insurance Premier Limit

Unlimited** (included)

*Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, 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).

**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’ or ‘Specific items cover’.

Cover description

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

Not available

Unlimited** (included)

Personal belongings away from the home cover

up to £15,000** (optional)

up to £25,000** (optional)

Students’ contents away from the home cover

up to £10,000** (optional)

up to £10,000** (optional)

Pedal cycle cover

up to £10,000** (optional)

up to £10,000** (optional)

Specified Items Cover
(individually worth over £3,000)

up to £30,000** (optional)

up to £50,000** (optional)

Private residence cover

Home Insurance Limit

up to £75,000* (included)

Home Insurance Premier Limit

Unlimited** (included)

Contents in outbuildings and in the open cover

Home Insurance Limit

up to £5,000 in outbuildings (optional)
up to £1,000 in the open (optional)

Home Insurance Premier Limit

up to £10,000 in outbuildings (included)
up to £2,000 in the open (included)

Accidental damage cover

Home Insurance Limit

up to £75,000* (optional)

Home Insurance Premier Limit

Unlimited** (included)

Replacement of sets cover

Home Insurance Limit

Not available

Home Insurance Premier Limit

Unlimited** (included)

Personal belongings away from the home cover

Home Insurance Limit

up to £15,000** (optional)

Home Insurance Premier Limit

up to £25,000** (optional)

Students’ contents away from the home cover

Home Insurance Limit

up to £10,000** (optional)

Home Insurance Premier Limit

up to £10,000** (optional)

Pedal cycle cover

Home Insurance Limit

up to £10,000** (optional)

Home Insurance Premier Limit

up to £10,000** (optional)

Specified Items Cover
(individually worth over £3,000)

Home Insurance Limit

up to £30,000** (optional)

Home Insurance Premier Limit

up to £50,000** (optional)

*Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £100,000 for contents. There are elements of cover which are subject to lower limits (e.g. Alternative accommodation).

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

A quick quote in around two minutes

Why not get an estimate? Ideal if you’re short of time or on the move. You can always come back to it later.

Get a quick quote

 

What we cover

Quick links to help you find the right protection for your home and possessions:

Contents cover

Buildings cover

Home Emergency cover

Compare our levels of cover

Financial Services Compensation Scheme

FSCS logo

Call to get a quote

If you prefer to speak to someone, our UK-based team are here to help. Call us on:

0800 056 3040Call telephone number 0800 056 3040

Help and guidance

Insuring your home can sometimes feel overwhelming, so we’re here to help make things as simple as possible with hints and tips on protecting your home and your possessions.

Help and guidance

Existing customers

Find out:

  • What's covered in my policy?
  • Am I covered for all my needs?
  • How do I make a claim?
  • What numbers can I call you on?

Switch home insurance to us

We want buying home insurance to be simple, see our advice on finding the right insurance for you.