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Learn more about Lloyds Bank home insurance

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 the policy documents.

Need help to choose the right cover?

Let’s get you to the right place. What type of insurance are you looking for?

Combined buildings and contents

Just contents

Just buildings

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. Covers the structure of your home and its fixtures and fittings if they are damaged by events like flood, fire or storm
  • Contents Insurance. Covers 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.

Get added protection with additional cover

Home Insurance Select offers three levels of cover to choose from – Bronze, Silver and Gold. You should think about which extras are important to you when you're choosing the type of cover that's best for you.  

Accidental damage - For damage that happens within the home.  Included only with Home Insurance Select Silver and Gold levels of cover and comes as standard too.  

Cover away from the home. Protect your items while you're out of the house. Optional 'Away from home cover' can be added to Bronze, Silver or Gold level of cover of the Home Insurance Select content insurance.

Compare our home insurance for more information about our extras.

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

Get a quote online

Choose from three levels of cover with Home Insurance Select.

Apply for a quote online.

For a different level of contents protection, consider our Flexible Contents Insurance.

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

Find a quote

If you already have a home insurance quote reference 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 to provide evidence of the freeholder's buildings insurance.

Buildings insurance can protect you against the cost of damage to your home from events such as 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

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

Existing home insurance 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.

Help and guidance

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.

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).