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Home Insurance buildings cover
Choose between two levels of quality cover and we’ll give you a range of reassuring benefits as standard
Features and benefits
- Alternative accommodation for your family and domestic pets if you can’t live in your home because of an insured event.
- Accidental damage to underground services such as underground pipes or drains belonging to you.
- Get a 40% discount introductory offer for your first year when you buy a new buildings, contents or combined buildings and contents policy. Excludes Home Emergency and Legal Expenses cover. Conditions apply.
- Receive 5% discount if you're an existing Lloyds Bank customer and buy home insurance online or by telephone. You’ll be asked to confirm that you have an existing account or product with Lloyds Bank (such as banking, savings, credit cards, mortgages, loans or insurance). Once confirmed the discount will be applied to your policy. Excludes Home Emergency and Legal Expenses cover. Conditions apply.
Keep in mind
- Limits and exclusions apply to all levels of cover. Read our policy documents for full details.
- Multiple discounts are applied consecutively and may reduce the overall discount you receive.
What is buildings insurance?
Generally, 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.
What does buildings insurance cover?
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
- Agreed architects’ and surveyors’ fees that are necessary if the building is damaged by any insured event and
- Alternative accommodation - cover for you, your family and your domestic pets if you are unable to live in your home because of an insured event.
Additional cover options
Choose from a wide 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. Covered as standard if you select our Home Insurance Premier option.
- Outbuildings Cover - insures structures such as detached garages, sheds and summerhouses. Covered as standard if you select our Home Insurance Premier option.
- Legal Expenses Cover - up to £50,000 to cover employment, contract or neighbour disputes and personal injury cases. Underwritten by DAS Legal Expenses Insurance Company Limited
- Home Emergency Cover - protects against the cost of emergency repairs which wouldn't normally be covered by your home insurance. Provided by Allianz Global Assistance.
For more information see the home insurance policy documents.
Online
Getting an online quote is easy and you'll be able to compare our two levels of cover side-by-side
Log on and follow the home insurance link on the left hand side.
By phone
To speak to one of our home insurance advisers call
Lines are open 8am-6pm Mon-Fri, 8am-4pm Sat
Get or retrieve a quote online
Getting a quote is simple and you'll be able to compare our two levels of cover side-by-side. You’ll need to have these things to hand: the address of the property you want to insure, the date when your current insurance runs out, the approximate year the property was built, and details of your home insurance claims history.
Get a quote
It'll take about ten minutes to get a quote online
Already got a quote saved?
Help and guidance
Insuring your home can sometimes feel overwhelming, so we're here to help make things as simple as possible.