HOME INSURANCE

Get a quote in 4 simple steps and save 40% with our introductory discount*

Conditions apply. *Important Information: this discount is for the first year only and excludes Home Emergency and Legal expenses cover.

NHS and Care workers

As a small gesture to say thanks for all your hard work, Personal items of NHS and Care workers that are damaged, lost or stolen while they're working or commuting will be covered under their standard contents policy at no extra cost.

Manage your policy

Contact us to:

  • Make a claim
  • Manage your policy
  • Let us know if you're having financial difficulties

40% off your Home Insurance

You won’t find us on price comparison sites. Come to us direct to save 40% with our introductory discount.

We'll help you find a safe place for you, your family and pets to stay if your home becomes unfit to live in because of a claim.

Limits, terms and exclusion apply to all levels of cover. Conditions apply to this offer.

Get a quote in 4 simple steps.

Get a quote now

Important Information: This discount is for the first year only and excludes Home Emergency and Legal expenses cover.

Home Insurance from Lloyds Bank

Our Home Insurance is made up of two policies: Buildings Insurance and Contents Insurance. 

When you take out Home Insurance, you can buy these policies separately or together:

  • Buildings Insurance. Cover the structure of your home and its fixtures and fittings if they are damaged by events like flood, fire or storm.
  • Contents Insurance. Cover the cost of repairing or replacing your personal possessions if they are stolen or damaged by events like flood, fire or storm while in your home.
  • Combined Buildings and Contents Insurance. Covers both buildings and contents under one policy. This can be simpler and less costly than buying separately.

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

Get added protection with additional cover

You can choose a range of additional covers to make your policy suit you. 

Here are some of our additional cover options which can be added for an additional premium:

  • Legal Expenses Cover
  • Home Emergency Cover
  • Pedal Cycle Cover
  • Personal Belongings Away from the Home Cover
  • Specified Items Cover

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

If you'd like more information about our extras, we have a full list available.

Get a quote online

We offer two levels of Home Insurance:

  • Lloyds Bank Home Insurance - a tailored, flexible offering.
  • Lloyds Bank Home Insurance Premier - a more inclusive offering where additional cover and higher limits are included as standard.

If you would like full details on limits, terms and exclusions, see our policy documents.

Get a quote now

Call to get a quote

If you'd prefer to get a Home Insurance quote over the phone, our UK-based team are here to help.

We can discuss your needs and the types of insurance we offer. This includes any extra cover options you may be looking for.

Call us on 0345 605 0521.

Lines are open from 8am-6pm Monday to Friday and 9am-1pm Saturday. Call times may vary due to high demand.

Find a quote

If you've already completed a quote within the past 60 days and would like to take out Home Insurance with us, there's no need to start your quote again.

You can find your quote online. You’ll just need to give us some info:

  • Your Quote Reference Number.
  • Your date of birth.
  • The postcode of the property you want to insure.

 

What is Home Insurance?

Home Insurance can protect you from the cost of damage to the structure of your home and what’s inside. 

There are three main types of home insurance:

  • Buildings. Covers the building itself.
  • Contents. Covers the things inside your home.
  • Combined. Covers both buildings and contents together.

You’ll be covered if your items or home is damaged by an event that’s covered in your policy. These events usually include fire, flood, storm or theft. 

Do I need Home Insurance?

If you have a mortgage, most lenders need you to have Buildings Insurance. If you own a leasehold flat, you may need provide evidence of the freeholders Buildings Insurance.

Buildings Insurance can protect you against the cost of damage to your home from storm, fire or flood.

It’s not a requirement to have Contents Insurance, but it’s a good idea to cover the cost the things you own. Getting Buildings and Contents Insurance at the same time can help to protect your home and what’s inside.

Home Insurance: FAQs

Do you renew Home Insurance every year?

Yes, you should renew your home insurance policy each year to make sure you are covered.

You can choose to automatically renew every year. This means your Home Insurance will be renewed for another year, without you needing to do anything. Or, you can contact us every year if you prefer.

Whichever you choose we will always write to you before your renewal date to let you know about any changes. You should also always check that the cover is still right for you.

Does Home Insurance cover mobile phones?

Our Contents Insurance will cover your phone when it’s in your home. For example, if it’s been stolen, we’ll cover the cost of replacing your phone.

You won’t be covered if your phone is damaged or stolen when you’re away from the house, unless you have Personal belongings away from the home cover. You can add this for an extra cost to cover your personal things while you're outside of your home. 

Limits, terms and exclusions apply.

How many Home Insurance claims can I make per year?

There is no limit to the number of claims you can make in a year with us. There is a limit on the value you can claim for any one event. There may also be a limit on how much you can claim for a single item. 

The more you claim, the more you might pay for Home Insurance the year after. Insurers will look at how many claims you have made when they decide how much to charge and whether to offer you Home Insurance. 

Check your policy for more information on your policy limits.

Do you pay Home Insurance monthly or yearly?

You can pay your Home Insurance monthly or in one yearly payment. 

Existing customers

Need help with your Home Insurance policy? You can find out what's covered, check that you have the cover you need, find useful phone numbers and learn how to make a claim.

Here are some quick links:

Help and guidance

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

We've put together help and guidance articles on:

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. 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.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).