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Pay for your home insurance online and keep your home protected for another year.

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Take care of what you value most, and we'll take care of you - a cashback reward with our range of insurance products: home, motor and life.

£50 cashback for two eligible insurance policies and £100 for three eligible policies.

If you purchase or renew a policy between 02 April 2024 and 02 July 2024. The policy needs to be held on 02 August 2024.

You must purchase new policies directly from Lloyds Bank online, by phone or in a branch. The policy cannot be purchased through a price comparison website.

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Home insurance in Internet Banking

If you’re registered for Internet Banking, you can log on to check your cover details and manage your policy. This includes some services that you would otherwise need to call us for, such as changing your cover and managing your payments.

 

 

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Why choose Lloyds Bank home insurance?

Here when you need us most
Make claims easily online or by phone. Our Home Emergency helpline is always open.

Choose your own excess
Select the amount you’ll pay towards most claims - a higher excess could mean you'll pay less for your cover.

No hidden costs
We won't charge an admin fee if you add cover to or remove it from your policy.

Here to get things sorted
Face to face Personal Claims Consultant support for complex claims if we think you need help.
 

We offer 3 types of home insurance:

Buildings and Contents Insurance

Protects the structure of your home and the things you own.

It includes cover for outbuildings, and permanent fixtures and fittings like your kitchen, bathrooms, household goods and clothes.

Buildings and contents insurance

Buildings Insurance

Protects your home’s structure and outbuildings too.

It covers any permanent fixtures and fittings, such as plumbing, wiring and kitchen / bathroom fittings for things like fire, theft and storm.

Buildings insurance

Contents Insurance

Protect the things you own in your home.

It includes cover for household goods, furnishings and clothing for things like fire, theft and storm.

Contents insurance

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Home Insurance Select has 3 levels of cover: Bronze, Silver & Gold

Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read our policy document (PDF 1MB)

  • Buildings Insurance

    This covers the structure of your home and its outbuildings. This includes your roof, walls, windows and ceilings. It also includes permanent fixtures like fitted kitchens and bathrooms. It covers you against damage caused by things like fire, flood and storm, as well as subsidence and vandalism.

    Cover

    Bronze

    Silver

    Gold

    Cover

    Buildings

    Bronze

    Full rebuild cost

    Silver

    Full rebuild cost

    Gold

    Full rebuild cost

    Cover

    Accidental damage

    Bronze

    Not available

    Silver

    Full rebuild cost

    Gold

    Full rebuild cost

    Cover

    Plants in the garden

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    Tracing & accessing a leak 

    Bronze

    £5,000

    Silver

    £5,000

    Gold

    £5,000

    Cover

    Blocked drains 

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    If you need somewhere else to stay (if you live at the property)

    Bronze

    £100,000

    Silver

    £100,000

    Gold

    £100,000

    Cover

    Loss of rent (if you’re a landlord)

    Bronze

    £100,000 

    Silver

    Not available

    Gold

    Not available

    Cover

    Home owner’s legal responsibility

    Bronze

    £2,000,000

    Silver

    £2,000,000

    Gold

    £2,000,000

    Cover

    Damage by emergency services 

    Bronze

    Full rebuild cost except trees, plants and shrubs where the limit is £1,000

    Silver

    Full rebuild cost except trees, plants and shrubs where the limit is £1,000

    Gold

    Full rebuild cost except trees, plants and shrubs where the limit is £1,000 

    Contents Insurance

    This covers the things in your home. This includes items you could take with you if you moved house – like furniture, clothing, electronic goods, carpets and curtains. It covers you against theft as well as damage caused by things like fire, smoke, storm or flood. The cover limits below are part of, not in addition to, your overall Contents Cover limit. This is with the exception of those limits marked with an *.

    Cover

    Bronze

    Silver

    Gold

    Cover

    Contents

    Bronze

    £50,000

    Silver

    £100,000

    Gold

    £250,000

    Cover

    Accidental damage

    Bronze

    Not available

    Silver

    £100,000

    Gold

    £250,000

    Cover

    Damage to frozen food

    Bronze

    £500

    Silver

    £500

    Gold

    £500

    Cover

    Visitors’ belongings

    Bronze

    £500

    Silver

    £500

    Gold

    £500

    Cover

    If you need somewhere else to stay

    Bronze

    £25,000*

    Silver

    £25,000*

    Gold

    £25,000*

    Cover

    Money

    Bronze

    £500

    Silver

    £500

    Gold

    £500

    Cover

    Documents

    Bronze

    £2,500

    Silver

    £2,500

    Gold

    £2,500

    Cover

    Contents in outbuildings

    Bronze

    £5,000

    Silver

    £5,000

    Gold

    £5,000

    Cover

    Contents in the open

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    Trees & plants

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    Metered water

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    Personal legal responsibility 

    Bronze

    £2,000,000*

    Silver

    £2,000,000*

    Gold

    £2,000,000*

    Cover

    Employer’s responsibility for domestic staff

    Bronze

    £10,000,000* 

    Silver

    £10,000,000* 

    Gold

    £10,000,000* 

    Cover

    Protection for tenants

    Bronze

    £10,000*

    Silver

    £10,000*

    Gold

    £10,000*

    Cover

    Tenant’s home improvements 

    Bronze

    £5,000*

    Silver

    £5,000*

    Gold

    £5,000*

    Cover

    Damage by emergency services 

    Bronze

    Contents sum insured except trees, plants and shrubs where the limit is £1,000

    Silver

    Contents sum insured except trees, plants and shrubs where the limit is £1,000

    Gold

    Contents sum insured except trees, plants and shrubs where the limit is £1,000

    Specified items cover

    We need to know about items worth more than £2,000, other than home appliances, and furniture which isn’t antique. For example, items, such as laptops, TVs, jewellery or bikes which individually cost more than £2,000.

    You can also choose to cover any specified items in the home, or both in and away from the home. 

    Any specified items will be included as part of your overall contents sum insured amount.

    For items worth more than £2,000 individually there is a £20,000 individual item limit and a £50,000 total specified item limit. 

     

Additional features and optional extras we offer: 

The level of cover you need will be individual to you. You can see below what's included with our Bronze, Silver and Gold cover and what optional cover you can add to meet your needs.

  • Covers you against accidental damage to your home and the things in it. So if a football smashes your window or a drink is spilt on your carpet, we’ll pay to repair the damage or replace your things

  • Protects the things you have with you when you leave the house, like your phone, watch or bike. If you've named any high value items, you can also choose to cover these away from home.

    Cover

    Bronze

    Silver

    Gold

    Cover

    Items lost or stolen away from home 

    Bronze

    Choose from £1,000 to £25,000

    Silver

    Choose from £1,000 to £25,000

    Gold

    Choose from £1,000 to £25,000

    Cover

    Including accidental damage cover

    Bronze

    Not available

    Silver

    Included up to your chosen limit for items away from home 

    Gold

    Included up to your chosen limit for items away from home 

    Cover

    Including students' contents

    Bronze

    Up to £5,000

    Silver

    Up to £5,000

    Gold

    Up to £5,000

    We cover things like rings, watches, bikes and laptops whenever you take these things with you outside your home. You’re covered if they’re lost or stolen, or accidentally damaged if you have this cover. This includes cover for students’ contents when in university halls of residence and other student accommodation.

  • This pays up to £50,000 in case you need to take legal action. It gives you access to a 24/7 helpline for legal advice. It covers things like contract, employment and neighbour disputes.

    Cover

    Bronze

    Silver

    Gold

    Cover

    Legal expenses

    Bronze

    Not available

    Silver

    £50,000

    Gold

    £50,000

    This cover provides expert help when you need legal support and covers things like employment disputes, personal injury and clinical negligence.

  • This protects you against emergency repairs which wouldn't normally be covered by your home insurance. There's a 24/7 helpline, so if your boiler breaks down or your power fails, you can get help fast. It pays for repairs up to £1,000 a time. And there's no excess to pay. More about Home Emergency.
     

    Cover

    Bronze

    Silver

    Gold

    Cover

    Home emergency

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    You’re covered for emergency repairs. This includes the call-out costs, work and new parts. Call the 24-hour emergency helpline and an approved tradesperson will come out and take action to resolve the emergency. This includes emergency repairs to your heating , plumbing & electrics, roofing, windows, doors and locks to secure your home.

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Existing home insurance customers

Get help with your policy

You can find out what is and isn't covered, learn how to make a claim or how to renew and pay for your policy online.

View your policy documents

Renew and pay for your policy

Make a claim

Get proof of insurance

Manage your renewal settings

Cancel your policy

You can find other online options here:

Manage your policy


Your policy in Internet Banking

If you’re registered for Internet Banking, just log on at any time to manage your home insurance policy online, without having to call us.

You can also download our Mobile Banking app to manage your policy on the go, alongside your normal banking activities.

Learn more about managing your policy online

Chat to us

You can now chat to us online to get general help and guidance about our products or ask us questions about your policy. The chat button appears on all our web pages and can be selected any time.

If you need more support or want to talk to us, give us a call.

Guidance and FAQs

If you're looking for help understanding home insurance, our FAQs and guides can help you keep your home protected or just learn more about how home insurance works.

See all help and guidance articles

Limits, terms and exclusions apply to all levels of cover.

Home insurance: FAQs