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Why choose Lloyds Bank home insurance?

Why choose Lloyds Bank home insurance?

Recommended by Which?
Lloyds Bank is a Which? recommended home insurance provider.

Here when you need us most
Make claims easily online or by phone. Our emergency helpline is always open.

Set your own excess
Choose the amount you’ll pay towards most claims - higher excess equals a lower premium.

No hidden costs
We won't charge an admin fee if you add cover to or remove it from your policy.

What’s covered by each type of insurance?

Buildings insurance

This protects the structure of your home, including its outbuildings, against damage caused by things like flood, fire, storm or vandalism. It’ll cover the cost to rebuild, repair or replace things like your roof, walls, windows, doors or fitted bathrooms and kitchens.

But buildings insurance doesn’t protect your belongings, like electrical items, clothing or furniture.

Contents insurance

Contents insurance protects your belongings against theft, or damage caused by things like flood, fire, storm or vandalism. It’ll cover the cost to repair or replace things like furniture, clothing and jewellery, electronic goods, curtains and even carpets.

However, contents insurance won’t cover any damage to the structure of your home.

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)

  • 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 avaliable

    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 avaliable

    Gold

    Not avaliable

    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

  • 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 avaliable

    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.

    Any specified items will be included as part of your overall contents sum insured amount. For items worth more than £2,000 individually, there’s a £20,000 individual item limit, and a £50,000 total specified items limit.

    Limits, terms and exclusions apply (PDF 98KB) to all levels of cover.

What's included in our cover?

Whether you choose Bronze, Silver or Gold, some benefits are provided as standard.

A safe place to stay

If your home isn't fit to live in due to a claim, we'll cover the extra cost for you to stay somewhere similar.

Always here to help

Our UK-based emergency helpline is available 24 hours a day, 7 days a week.

Guaranteed repairs

Repairs carried out by our approved tradespeople are guaranteed for at least 12 months.

    • 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 (PDF 98KB) to all levels of cover.

    • 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 (PDF 98KB) to all levels of cover.

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 (PDF 98KB) to all levels of cover.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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

  • 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

Our policy documents tell you more about what is and isn’t covered. Read the policy documents (PDF 1.1MB). Keep in mind that with all of our cover, there are limits, terms and exclusions (PDF 98KB).

Ready for a quote?

Save 10% on combined buildings and contents insurance when you get your quote and buy online. Read about our online price.

Get your quote online

Retrieve a quote

Pick up where you left off with a combined buildings and contents insurance quote. You’ll need your quote reference number to hand.

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Prefer to speak to us?

Just be aware, you’ll only get a 10% discount on Lloyds Bank buildings and contents insurance when you get your quote and buy online. Read about our online price.

Already got a policy with us?

Making a claim

If you’re an existing home insurance customer, you can make a claim online or by phone. To save you any additional stress, we’ll do all we can to process your claim quickly.

More about making a claim

Managing your policy

Whether you need to make a change to your home insurance cover, update your personal details, or choose your renewal options, we're here to help.

Manage your policy

Frequently asked questions

  • 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.
  • 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.
  • 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 Bank, get a quote online.

  • 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 Bank.

  • 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.

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.