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Buildings & contents insurance
Protect your home with combined buildings and contents insurance from Lloyds.
Ready for a quote?
Choose to spread the cost and pay monthly with no extra charges.
Why choose Lloyds home insurance?
Here when you need us most
Make claims easily online or by phone. Our out of hours emergency claims helpline is available for urgent support.
Choose your own excess
Pay your chosen excess 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.
Manage your policy online
It’s easy to manage your policy online; claim, renew and pay. Log on to the app or Internet Banking if you’re registered, to make managing your policy even easier.
What’s covered by each type of insurance?
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)
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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
Limits, terms and exclusions apply to all levels of cover.
Our policy booklet (PDF, 1MB) tells you more about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
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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 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.
Limits, terms and exclusions apply to all levels of cover.
Our policy booklet (PDF, 1MB) tells you more about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
What's included in our cover?
Whether you choose Bronze, Silver or Gold, some benefits are provided as standard.
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- Full rebuild cost if your home is damaged by things like fire, flood, storm, earthquake, vandalism and subsidence.
- Legal liability cover, protecting you against breaches of your legal responsibility as the owner and occupier of your home. For example, a claim could be made against you by a visitor who is injured at your home
- Protection when you sell your home. If your buyer doesn’t have insurance of their own, we’ll cover the property between contracts being exchanged and the sale being completed
- Locks and keys are also covered. We’ll pay the cost of changing the locks to outside doors if your keys are lost or stolen.
Limits, terms and exclusions apply to all levels of cover.
Our policy booklet (PDF, 1MB) tells you more about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
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- We'll cover the cost of replacing items stolen from your home, or repairing or replacing items in your home damaged by things like flood, fire, storm or vandalism
- Locks and keys are also covered. We'll pay the cost of changing the locks to outside doors at your home if your keys are lost or stolen.
- Contents in outbuildings and in the open at your home are covered under all levels of cover
- Bikes in your home are also covered as standard.
Limits, terms and exclusions apply to all levels of cover.
Our policy booklet (PDF, 1MB) tells you more about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
Extra cover you might like to consider
The level of cover you need will be individual to you. Check what’s included with our Bronze, Silver and Gold cover, and which optional extras you could add.
Limits, terms and exclusions apply to all levels of cover.
Our policy booklet (PDF, 1MB) tells you more about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
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Home emergency cover will pay for repairs up to £1,000, helping you to manage unexpected costs in an emergency. It’s optional on all levels of cover for an additional cost.
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Accidental damage cover protects your home and belongings against damage that’s sudden, unexpected and isn’t done on purpose. This is included as standard with Silver and Gold cover.
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Legal expenses cover provides expert help when you need legal support, covering costs up to £50,000. This is included as standard with Silver and Gold cover.
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With this cover, things like rings, watches, bikes and laptops are protected whenever you take them with you outside your home. You’re covered if they’re lost, stolen or accidentally damaged. This includes cover for students' contents when in university halls of residence or other student accommodation. It’s optional on all levels of cover for an additional cost.
Cover limits
Bronze
Silver
Gold
Cover limits
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 limits
Including accidental damage cover
Bronze
Not available
Silver
Included up to your chosen limit
Gold
Included up to your chosen limit
Cover limits
Including students’ contents
Bronze
Up to £5,000
Silver
Up to £5,000
Gold
Up to £5,000
Set an excess amount to suit you
Your excess is the amount you'll pay towards the cost of most types of claim. You can choose your own excess between £100 and £500. A higher excess means your cover will cost less, but you'll have to pay more towards a claim. The excess you will have to pay for some claims will be lower than your chosen excess.
With Bronze and Silver cover, there are different excesses for leaking water and subsidence claims.
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Excess
Bronze
Silver
Gold
Excess
Your standard excess
Bronze
Choose between £100 and £500
Silver
Choose between £100 and £500
Gold
Choose between £100 and £500
Excess
Leaking water excess
Bronze
£500
Silver
£500
Gold
Your standard excess
Excess
Subsidence excess
Bronze
£1000
Silver
£1000
Gold
Your standard excess
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Excess
Bronze
Silver
Gold
Excess
Your standard excess
Bronze
Choose between £100 and £500
Silver
Choose between £100 and £500
Gold
Choose between £100 and £500
Excess
Leaking water excess
Bronze
£500
Silver
£500
Gold
Your standard excess
Limits, terms and exclusions apply to all levels of cover.
Our policy booklet (PDF, 1MB) tells you more about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
Prefer to speak to us? Call to get a quote
Already got a policy with us?
Frequently asked questions
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There are a few types of home insurance, the main ones being:
- Contents insurance – covers the cost of repairing or replacing your possessions if they are stolen or damaged while in your home
- Buildings insurance – covers the structure of your home and its fixtures and fittings if they are damaged by events like flood, fire or storm
- Combined buildings and contents insurance – covers both buildings and contents under one policy. This could be simpler than applying for two separate policies.
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It isn’t a legal requirement for you to have buildings and contents insurance, however if something happened to your home or belongings, it should give you peace of mind to know you’re covered.
You’re likely to need buildings insurance if you’re:
- A homeowner – if you’ve got a mortgage on a property, your lender may insist that you have buildings insurance in place
- A leaseholder – if you own a leasehold property, the freeholder may insure the building as a whole. It’s important to check the details of your lease agreement to find out if you need your own cover
- A landlord – you’ll need buildings insurance for any property that you rent out.
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A number of factors can influence the cost of your home insurance premium, whether you’re looking for buildings, contents or combined cover.
Your circumstances and needs, including:
- Your age
- The value of your home or contents
- Whether you’ve made claims in the past
- The age and size of your home
- Whether you live in an area with high flood or crime risks
- The amount of excess you choose to pay in the event of a claim
- Optional extras, such as legal expenses and away from home cover.
To find out how much home insurance could cost with Lloyds, get a quote online.
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That’s really up to you, depending on your individual needs.
Buildings insurance protects your home and its fixtures and fittings against damage by things like fire, flood, storm, earthquake, vandalism and subsidence.
Contents insurance protects the things in your home against theft, and damage by things like fire, flood, storm and vandalism.
Accidental damage cover protects your home or belongings against damage that’s sudden, unexpected and not done on purpose.
It’s included as standard with Silver and Gold cover from Lloyds.
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We offer 3 types of home insurance which you might like to consider:
- Contents insurance – covers the cost of repairing or replacing your belongings if they are stolen or damaged while in your home
- Buildings insurance – covers the structure of your home and its fixtures and fittings if they are damaged by events like flood, fire or storm
- Combined buildings and contents insurance – covers both buildings and contents under one policy. This could be simpler than applying for two separate policies.