Get home insurance from £14 a month
Don’t bank on luck and leave your house and belongings unprotected. Get buildings and contents insurance with Lloyds - Defaqto’s Home Insurer of the Year.
- Get a home insurance quote in under 5 minutes.
- Spread the cost and pay monthly without any extra fees.
- Make a claim online, anytime.
10% of customers paid this price or less for a new combined buildings and contents policy bought online between 1st February 2026 and 31st July 2026. This is for our Bronze level of cover and excludes optional extras. Prices are reviewed regularly and are subject to change. The price you pay may be higher or lower than the price quoted here.
Why choose Lloyds home insurance?
Terms, limits and exclusions apply to all levels of cover.
Ready to get a quote?
Getting a house insurance quote is quick and easy with Lloyds. You could get covered in under 5 minutes.
- Answer a few simple questions about yourself, the property you’re insuring, and the type of cover you’re interested in.
- Get your home insurance quote.
- Review your quote and complete the application.
What does Lloyds home insurance cover?
Lloyds’ Home Insurance Select covers both buildings and contents in one combined policy. Take a look at what’s included as standard.
The policy booklet (PDF, 1MB) provides more information about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
Win £5,000 in the insurance prize draw
Got an existing home insurance policy? Tell us your renewal date by 31 December for your chance to win. It’s easy to enter:
- Log in to the Lloyds app.
- Visit the Insure space.
- Confirm your renewal date.
Alternatively, if you have a car insurance policy, you can go to the 'More for you' section in the app and select 'Manage your car'. Then enter your motor renewal date.
Terms and conditions apply. UK residents aged 18+ only.
Compare our 3 levels of home insurance: Bronze, Silver and Gold
The level of cover you need will be individual to you. It'll depend on things like whether you want cover for accidental damage or legal expenses. Compare what’s included with our Bronze, Silver and Gold cover to decide which one is best for you.
Using a mobile device? It might be easier to compare levels of cover in our policy limits (PDF 98KB)
Compare our 3 levels of buildings insurance
|
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 |
Our policy booklet (PDF, 1MB) tells you more about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
Compare our 3 levels of contents insurance
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 limits |
Bronze |
Silver |
Gold |
|---|---|---|---|
|
Cover limits Contents |
Bronze £50,000 |
Silver £100,000 |
Gold £250,000 |
|
Cover limits Accidental damage |
Bronze Not available |
Silver £100,000 |
Gold £250,000 |
|
Cover limits Damage to frozen food |
Bronze £500 |
Silver £500 |
Gold £500 |
|
Cover limits Visitors' belongings |
Bronze £500 |
Silver £500 |
Gold £500 |
|
Cover limits If you need somewhere else to stay |
Bronze £25,000* |
Silver £25,000* |
Gold £25,000* |
|
Cover limits Money |
Bronze £500 |
Silver £500 |
Gold £500 |
|
Cover limits Documents |
Bronze £2,500 |
Silver £2,500 |
Gold £2,500 |
|
Cover limits Contents in garages and outbuildings |
Bronze £5,000 |
Silver £5,000 |
Gold £5,000 |
|
Cover limits Contents in the open |
Bronze £1,000 |
Silver £1,000 |
Gold £1,000 |
|
Cover limits Trees & plants |
Bronze £1,000 |
Silver £1,000 |
Gold £1,000 |
|
Cover limits Metered water |
Bronze £1,000 |
Silver £1,000 |
Gold £1,000 |
|
Cover limits Personal legal responsibility |
Bronze £2,000,000* |
Silver £2,000,000* |
Gold £2,000,000* |
|
Cover limits Employer’s responsibility for domestic staff |
Bronze £10,000,000* |
Silver £10,000,000* |
Gold £10,000,000* |
|
Cover limits Protection for tenants |
Bronze £10,000* |
Silver £10,000* |
Gold £10,000* |
|
Cover limits Tenant’s home improvements |
Bronze £5,000* |
Silver £5,000* |
Gold £5,000* |
|
Cover limits 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 |
Cover for specified items
You’ll need to tell us about any items worth more than £2,000, other than home appliances, and furniture which isn’t antique. These could include laptops, TVs, jewellery or bikes which would individually cost more than £2,000 to replace.
You can also choose to cover specified items within your home, or both in and away from your home.
For items worth more than £2,000 individually, there’s a £40,000 individual item limit and a £100,000 total specified items limit.
Our policy booklet (PDF, 1MB) tells you more about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
Can I add extra cover to my home insurance?
We offer a range of additional features and optional extras you can add on to your home insurance policy. This includes:
Looking for a single home insurance policy?
Not everyone needs a combined home insurance policy. Check out some of the other options that might be better suited to you.
Already got a home insurance policy with us?
Home insurance help and guidance
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Home insurance in your pocket
Check your cover, manage your policy and make a claim anytime in our app.