Why get Buildings and Contents Insurance?

Buildings insurance covers the cost of repairing or rebuilding the structure of your home that is damaged by events such as a flood, fire or a storm. 

This also covers permanent fixtures in your home, such as fitted kitchens and fitted bedroom furniture. This doesn't include the items inside your home - you'd need contents insurance for that. 

Contents Insurance covers the cost of repairing or replacing the items in your home that have been stolen, or damaged by events such as a flood, fire or storm. This includes household goods and personal effects owned by you or your family. 

You'll also get £10,000 worth cover for high risk items (you can select more if you wish). These are those things which may have a high cost in money terms and may attract thieves. Such as jewellery, mobile phones, and computers.

Limits, terms and exclusions apply to all levels of cover. For more information, see our policy documents.

You can be rest assured we'll take care of you.

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A safe place to stay

For you, your family and pets if your home is unfit to live in due to a claim.

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Emergency help

Emergency helpline available 24/7, and all claims handled by our UK only call centres.

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Repairs

Repairs carried out and guaranteed by approved tradespeople.

Choosing the right level of cover

We offer two levels of Buildings and Contents Insurance cover for you to choose from:

  • Lloyds Bank Home Insurance. - a tailored flexible offering. You can select cover limits and additional cover to suit you.
  • Lloyds Bank Home Insurance Premier.- a more inclusive offering where some higher limits and more cover is included as standard, such as accidental damage.

    Limits, terms and exclusions apply to all levels of cover. For more information, see our policy documents.
  • Cover description

     

    Home Insurance Limit

    Home Insurance Premier Limit

      

    Cover description 

    Private residence cover

    Home Insurance Limit

    Up to £75,000* (included)

    Home Insurance Premier Limit  

    Unlimited** (included)

    Cover description 

    Contents in outbuildings and in the open cover

    Home Insurance Limit

    Up to £5,000 in outbuildings (optional)

     Up to £1,000 In the open (optional)

     

    Home Insurance Premier Limit  

    Up to £10,000 in outbuildings (included)

     Up to £2,000 In the open (included)

    Cover description 

    Accidental damage cover

    Home Insurance Limit

    Up to £75,000* (optional)

     

    Home Insurance Premier Limit  

    Unlimited** (included)

    Cover description 

    Replacement of sets cover

    Home Insurance Limit

    Not available

    Home Insurance Premier Limit  

    Unlimited** (included)

    Cover description 

    High Risk Items (individually worth up to £3,000)

    Home Insurance Limit

    £10,000 as standard ***

    Home Insurance Premier Limit  

    £10,000 as standard ***

    Cover description 

    Personal belongings away from the home cover

    Home Insurance Limit

    Up to £15,000** (optional)

    Home Insurance Premier Limit  

    Up to £25,000** (optional)

     

    Cover description 

    Students' contents away from home cover

    Home Insurance Limit

    Up to £10,000** (optional)

     

    Home Insurance Premier Limit  

    Up to £10,000** (optional)

    Cover description 

    Pedal cycle cover
    (Unspecified cycles individually worth up to £500)

    (Specified cycles individually worth up to £5,000)

    Home Insurance Limit

    Up to £10,000** (optional)

     

    Home Insurance Premier Limit  

    Up to £10,000** (optional)

     

    Cover description 

    Specified items cover 
    (High Risk Items & Personal Belongings named on your policy that are individually worth more than £3,000)

    Home Insurance Limit

    Up to £30,000** (optional)

    Home Insurance Premier Limit  

    Up to £50,000** (optional)

    Cover description 

    Home Insurance Limit

    Home Insurance Premier Limit  

    Important information: The cover limits shown in this table are part of, not in addition to, the overall ‘Private residence cover’ limit. This doesn’t apply to ‘Specified Pedal cycle’ or ‘Specified items cover’.

    *Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £100,000 for contents. There are elements of cover which are subject to lower limits.

    ** There are elements of cover which are subject to lower limits.

    *** Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £30,000 on Home Insurance and £50,000 on Home Insurance Premier.

     

Cover description

 

Home Insurance Limit

 

Home Insurance Premier Limit

 

Cover description 

Private residence cover

Home Insurance Limit 

Up to £500,000* (included)

 

Home Insurance Premier Limit 

Unlimited** (Included)

Cover description 

Outbuildings cover

Home Insurance Limit 

Up to £500,000* (optional)

Home Insurance Premier Limit 

Unlimited** (Included)

Cover description 

Accidental damage cover

Home Insurance Limit 

Up to £500,000* (optional)

Home Insurance Premier Limit 

Unlimited** (Included)

 

Cover description 

Replacement of sets cover

Home Insurance Limit 

Not available

Home Insurance Premier Limit 

Unlimited** (Included)

 

Cover description 

Home Insurance Limit 

Home Insurance Premier Limit 

Important information: The cover limits shown in this table are part of, not in addition to, the overall ‘Private residence cover’ limit.

*Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £1,000,000 for Buildings. There are elements of cover which are subject to lower limits.

** This represents the total Sum Insured. Please note there are elements of cover which are subject to lower limits.

 

Get a quote over the phone

If you'd prefer to get a Buildings and Contents Insurance quote over the phone, we're here to help.  We'll answer any questions you may have about our products and services, to make sure that you get the right level of cover to protect your possessions.

Call us on:  0800 056 3040.

Lines are open Mon to Fri 8am - 6pm and Sat 9am - 1pm. (Times may vary on public holidays).

Calls may be recorded and monitored for training and/or quality purposes.

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.