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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.

Compare our 3 levels of buildings 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.

  • 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 are 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

    £50,000

    Gold

    £50,000

  • Whether you choose BronzeSilver or Gold buildings insurance, cover includes:

    • Full rebuild costs 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 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
    • A safe place to stay if your home isn't fit to live in due to a claim. We'll pay the extra cost for you, your family and your household pets to stay somewhere similar
    • Locks and keys are also covered. We’ll pay the cost of changing the locks to outside doors to your home if your keys are lost or stolen.

    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 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.

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.

  • How much excess would I need to pay?

    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

    £1,000

    Silver

    £1,000

    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).

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Retrieve a quote

Pick up where you left off with your buildings 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 insurance when you get your quote and buy online. Read about our online price.

Looking for contents insurance?

You can buy contents insurance by itself, or combined with buildings insurance.

Contents insurance covers the cost to repair or replace the items in your home if they are stolen, or damaged by things like flood, fire or storm.

Already got a policy with us?

Making a claim

If you’re an existing buildings 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.

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.

Frequently asked questions

  • 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:

    • A homeowner – if you own your home, you're responsible for any damage to the property, so it's wise to have buildings insurance in place. And if you've got a mortgage, your lender may insist on this
    • A landlord – you’ll need buildings insurance for any property that you rent out. It may also cover things that you leave in the property for the use of your tenants, such as carpets, curtains and electrical appliances.

    You may not need buildings insurance if you’re:

    • A renter – your landlord should have this covered
    • 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.

    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:

    • Contents insurance – covers the cost of repairing or replacing your personal 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.

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.