Mortgage support
Worried about paying your mortgage? We have various ways that we can help you.
Protect your home, including its fixtures and fittings, with buildings insurance from Lloyds Bank.
10% cheaper when you get your quote and buy online.
Read about our online price.
Here when you need us most
Make claims easily online or by phone. Our Home Emergency helpline is always open.
Choose your own excess
Select the amount you’ll pay 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.
Here to get things sorted
Face to face Personal Claims Consultant support for complex claims if we think you need help.
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.
Cover limits |
Bronze |
Silver |
Gold |
---|---|---|---|
Cover limitsBuildings |
BronzeFull rebuild cost |
SilverFull rebuild cost |
GoldFull rebuild cost |
Cover limitsAccidental damage |
BronzeNot available |
SilverFull rebuild cost |
GoldFull rebuild cost |
Cover limitsPlants in the garden |
Bronze£1,000 |
Silver£1,000 |
Gold£1,000 |
Cover limitsTracing and accessing a leak |
Bronze£5,000 |
Silver£5,000 |
Gold£5,000 |
Cover limitsBlocked drains |
Bronze£1,000 |
Silver£1,000 |
Gold£1,000 |
Cover limitsIf you need somewhere else to stay (if you live at the property) |
Bronze£100,000 |
Silver£100,000 |
Gold£100,000 |
Cover limitsLoss of rent (if you are a landlord) |
Bronze£100,000 |
SilverNot available |
GoldNot available |
Cover limitsHome owner’s legal responsibility |
Bronze£2,000,000 |
Silver£2,000,000 |
Gold£2,000,000 |
Cover limitsDamage by emergency services |
BronzeFull rebuild cost except trees, plants and shrubs where the limit is £1,000 |
SilverFull rebuild cost except trees, plants and shrubs where the limit is £1,000 |
GoldFull rebuild cost except trees, plants and shrubs where the limit is £1,000 |
Cover limitsLegal expenses |
BronzeNot available |
Silver£50,000 |
Gold£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).
Whether you choose Bronze, Silver or Gold buildings insurance, cover includes:
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).
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).
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 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.
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 |
---|---|---|---|
ExcessYour standard excess |
BronzeChoose between £100 and £500 |
SilverChoose between £100 and £500 |
GoldChoose between £100 and £500 |
ExcessLeaking water excess |
Bronze£500 |
Silver£500 |
GoldYour standard excess |
ExcessSubsidence excess |
Bronze£1,000 |
Silver£1,000 |
GoldYour 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).
When buying a house, you should make sure you have buildings insurance in place for the date that contracts are exchanged. That’s the point at which you’re legally responsible for the house.
If you are renting a property, your landlord should have buildings insurance.
If you own a leasehold flat, the freeholder may insure the building as a whole. It’s important to check the details of your lease agreement. You may need to pay a monthly maintenance fee to the freeholder – a portion of which may go towards buildings insurance.
In either case, you may want to get contents insurance to cover belongings you keep in your flat.
No. Buildings insurance isn't a legal requirement. But you may struggle to get a mortgage without cover in place.
Buildings insurance can help to cover the cost of repairs or rebuilding your home if it’s damaged or destroyed by things like flood, fire or storm. But not everyone needs it.
You’re likely to need buildings insurance if you’re:
You may not need buildings insurance if you’re:
Whether or not you need your own buildings insurance policy, you may want to get contents insurance to cover the things in your home.
There are a few types of home insurance, the main ones being: