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Buildings Insurance

Choose between two levels of Buildings Insurance cover, whether you want to personalise your policy with additional extras or get more protection as standard.

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40% introductory discount on a new Buildings Insurance policy

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You could save money with Lloyds Bank Buildings Insurance. Get a 40% discount in your first year when you buy any new Buildings Insurance policy.

Plus, get an additional 5% discount in your first year if you're an existing Lloyds Bank customer. All you need to do to claim the extra 5% discount is confirm you have a Lloyds Bank product when you buy your new policy. Conditions apply to these offers.

Get a quote today, it’ll take about 10 minutes.

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Important information: The discounts exclude Home Emergency and Legal Expenses cover. The discounts are not added together and applied at the same time. They’re applied one after the other to the discounted premium which reduces the total discount you receive.

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Why do you need buildings insurance?

Buildings insurance covers the structure of your home including the permanent fixtures, fittings and services. This consists of the buildings of your private residence, and your detached outbuildings when Outbuildings Cover is selected or included.

Covers available under buildings insurance are:

  • Buildings Private Residence Cover - this covers the private residence including integral and attached garages and conservatories, gates, fences, paths, driveways and patios
  • Outbuildings Cover - covers detached outbuildings you’re legally responsible for, such as sheds, garages or summer-houses within the grounds of your home, as well as their fixtures and fittings.
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What buildings insurance cover can Lloyds Bank provide?

Whether you choose Home Insurance or Home Insurance Premier, our buildings insurance gives you a range of benefits as standard. These include:

  • Property owner's liability cover - in case of claims made against you by visitors who get injured following an accident at your home following the breach of your legal responsibility as a home owner
  • Agreed architects’ and surveyors’ fees that are necessary if the building is damaged by any insured event and
  • Alternative accommodation - cover for the additional cost of you, your family and your domestic pets to live in similar accommodation if you are unable to live in your home because of an insured event.

Limits, terms and exclusions apply. For more information see the home insurance policy documents.

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What extra buildings insurance cover is available for you?

Choose from a range of additional cover options to tailor your policy to your requirements. Our additional cover options include:

  • Accidental Damage Cover* - protects your buildings against things such as damage caused by DIY accidents
  • Legal Expenses Cover - up to £50,000 to cover employment, contract or neighbour disputes and personal injury cases**
  • Home Emergency Cover - protects against the cost of emergency repairs which wouldn't normally be covered by your home insurance.***

*Included as standard with Lloyds Bank Home Insurance Premier.
**Underwritten by DAS Legal Expenses Insurance Company Limited.
***This insurance is provided by Allianz Global Assistance.

For more information see the home insurance policy documents.

What does Buildings Insurance cover?


Buildings Insurance covers the structure of your home and its fixtures and fittings (fitted bathrooms, for example) if they are damaged by events like flood, fire and storm. When you take out Home Insurance with Lloyds Bank you can take out Buildings Insurance as a standalone policy or combine it with a Contents Insurance policy.

We offer two levels of Home Insurance:

  • Lloyds Bank Home Insurance - personalised, flexible cover
  • Lloyds Bank Home Insurance Premier - a more inclusive offering where additional cover and higher limits are included as standard.

Our Lloyds Bank Home Insurance Premier cover has been given 5 Stars by Defaqto. Independently verified as “providing one of the highest quality offerings in the market”.

Cover description

Home Insurance Limit

Home Insurance Premier Limit

Private residence cover

up to £500,000* (included)

Unlimited** (included)

Outbuildings cover

up to £500,000* (optional)

Unlimited** (included)

Accidental damage cover

up to £500,000* (optional)

Unlimited** (included)

Replacement of sets cover

Not available

Unlimited** (included)

Private residence cover

Home Insurance Limit

up to £500,000* (included)

Home Insurance Premier Limit

Unlimited** (included)

Outbuildings cover

Home Insurance Limit

up to £500,000* (optional)

Home Insurance Premier Limit

Unlimited** (included)

Accidental damage cover

Home Insurance Limit

up to £500,000* (optional)

Home Insurance Premier Limit

Unlimited** (included)

Replacement of sets cover

Home Insurance Limit

Not available

Home Insurance Premier Limit

Unlimited** (included)

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 Buildings Insurance quote

Getting a quote is simple and you'll be able to compare our two levels of cover side-by-side. Get a quote today, it'll take about 10 minutes.

Get a quote

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Get Contents Insurance

Lloyds Bank offer both Home Insurance contents cover and combined Buildings and Contents cover.

Contents Insurance covers the cost of replacing or repairing your household goods or personal possessions if they are stolen or damaged by events like floods, fire and storm while in your home.

Contents Insurance

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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 insurance needs and the types of insurance we offer; including any additional cover options you may benefit from.

Call us on 0800 056 3040

Lines are open from 8am-8pm Monday to Friday and 8am-4pm SaturdayCall telephone number 0800 056 3040Lines are open from 8am-8pm Monday to Friday and 8am-4pm Saturday.

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Retrieve a quote

If you've already completed a quote and would like to take out Home Insurance with us, there's no need to start your quote again.

You can retrieve your quote online with the following information:

  • your Quote Reference Number
  • date of birth
  • the postcode of the property you want to insure.

Retrieve a quote