Get straightforward home insurance when you come straight to us

  • Pay monthly without any extra fees.
  • 24/7 emergency claims line at the ready.
  • We know your re-build costs so you don't need to. 

Get a quote


Our insurance services are rated excellent on Trustpilot.
February 2026.

Trustpilot logo, 4.5 stars.
Trustpilot logo. 4.5 stars.

Our insurance services are rated excellent on Trustpilot.
February 2026.

Retrieve your quote

Pick up where you left off, make any changes and get covered today.

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Manage your policy

Existing customers can amend, renew and cancel their policy online.

Manage your policy Manage your policy.

Make a claim

Claim online and we’ll process it just as we would if you’d called us.

Make a claim

We offer three 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 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

We offer three levels of cover

  • 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)

    Using a mobile device? It might be easier to compare levels of cover in our policy limits (PDF, 98KB)

    Cover limits

    Bronze

    Silver

    Gold

    Cover limits

    Buildings

    Bronze

    Full rebuild cost

    Silver

    Full rebuild cost

    Gold

    Full rebuild cost

    Cover limits

    Accidental damage

    Bronze

    Not available

    Silver

    Full rebuild cost

    Gold

    Full rebuild cost

    Cover limits

    Plants in the garden

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover limits

    Tracing and accessing a leak

    Bronze

    £5,000

    Silver

    £5,000

    Gold

    £5,000

    Cover limits

    Blocked drains

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover limits

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

    Bronze

    £100,000

    Silver

    £100,000

    Gold

    £100,000

    Cover limits

    Loss of rent (if you're a landlord)

    Bronze

    £100,000

    Silver

    Not available

    Gold

    Not available

    Cover limits

    Home owner’s legal responsibility

    Bronze

    £2,000,000

    Silver

    £2,000,000

    Gold

    £2,000,000

    Cover limits

    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

    Cover limits

    Legal expenses

    Bronze

    Not available

    Silver

    Included, up to £50,000

    Gold

    Included, up to £50,000

We offer additional features and optional extras

  • Accidental damage (included with Silver and Gold)

    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.

    Away from home (optional on Bronze, Silver and Gold)

    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.

    Legal expenses (included with Silver and Gold)

    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.

    Home emergency cover (optional on Bronze, Silver and Gold)

    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.

    Home Emergency cover

    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.

Why choose Lloyds home insurance?

Out of hours helpline

Our emergency claims helpline is available 24 hours a day for urgent support.

Choose your excess

Pay your chosen excess towards most claims – a higher excess could mean you’ll pay less for your cover.

No admin fee for changes

We won't charge an admin fee if you add cover to or remove it from your policy.

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

Help and guidance

More on help and guidance

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