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What’s covered?

Our policy documents tell you more about what is and isn’t covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read the policy documents (PDF 1.1MB).

What does buildings insurance cover?

Buildings insurance covers the structure of your home, including its outbuildings, if it's damaged by events like floods, fires and storms. It also includes fixtures such as fitted bathrooms and kitchens. You can take out Lloyds Bank buildings insurance by itself, or with contents insurance.

We offer three levels of cover. The level of cover you need will be individual to you. It will depend on things like whether you want cover for accidental damage, and how important a single excess is to you. Compare what’s included with our Bronze, Silver and Gold cover to help choose which one is best for you.

Builsings insurance

Cover

Bronze

Silver

Gold

Cover

Buildings limit up to

Bronze

Full rebuild cost

Silver

Full rebuild cost

Gold

Full rebuild cost

Cover

Accidental damage

Bronze

Not available

Silver

Included, up to full rebuild cost

Gold

Included, up to full rebuild cost

Cover

Legal Expenses

Bronze

Not available

Silver

Included, up to £50,000

Gold

Included, up to £50,000

Cover

Home Emergency

Bronze

Optional extra, up to £1,000

Silver

Optional extra, up to £1,000

Gold

Optional extra, up to £1,000

How much excess would I need to pay?

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

Who needs buildings insurance?

Buildings insurance can help protect you from the cost of having to rebuild or repair your home if it's destroyed or damaged by things like flood, fire or storm. But not everyone needs it. You’ll need buildings insurance if you are:

A homeowner. If you have a mortgage, you will need buildings insurance for the home you live in.

A landlord. If you are a landlord you will need buildings insurance for the property you rent out.

Who doesn’t need buildings insurance?

Not everyone needs buildings insurance. For example:

Renters. If you’re renting you won't need buildings insurance. Your landlord is the owner so they should have this covered.

Leaseholders. If you’re a leaseholder of a flat, the freeholder may insure the building as a whole. If so, you may not need buildings insurance. Make sure you check your
agreement to find out if you do.

What’s included with Lloyds Bank building insurance?

When you take out buildings insurance, it’s helpful to know what will be insured on your policy.

  • Full rebuild cost of your home. We’ll cover your home against damage caused by things like fire, flood, storm, earthquake, vandalism and subsidence.
  • Legal liability cover. Protects you from a breach of your legal responsibility as a homeowner. This could be a claim made against you by a visitor who is injured at your home, for example.
  • Protection when you sell your home. We'll cover the buyer between contracts being exchanged and the sale being completed. We'll do this if the buyer doesn't have insurance of their own.
  • If you need somewhere else to stay. We'll pay the extra costs for you and your family to stay somewhere if your home is unfit to live in due to a claim.
  • Locks and keys. This covers the cost to replace the locks to your outside doors if you lose your keys or if they are stolen.

Limits, terms and exclusions apply to all levels of cover. 

Is there any extra cover to choose from?

We offer three levels of cover, so you can choose the one that best suits your
needs. We also offer some optional cover for extra peace of mind.

Our buildings cover offers:

  • Accidental damage cover. This protects your home from physical damage that’s sudden, unexpected and not done on purpose. It's included only with our Silver and Gold cover and comes as standard.
  • Legal Expenses cover. This pays up to £50,000 in case you need to take legal action. It's included only with our Silver and Gold cover and comes as standard.
  • Home Emergency cover. This protects you from the cost of emergency
    repairs. It’s optional on all levels of cover.

Limits, terms and exclusions apply to all levels of cover. 

Ready for a quote?

Get a buildings insurance quote

You’ll save 10% if you buy online. Read the terms and conditions.

Get your quote online

Retrieve a quote

Pick up where you left off.

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How to make a claim on your buildings insurance.

Step 1 - Get in touch

You can make a claim online. Or if you prefer you can call us.

Make a claim online

Contact us

Before you get in touch, you’ll need these things to hand:

  • Your policy number.
  • Your bank details, in case we need to pay you.
  • A list of what’s been stolen or damaged.

Step 2 - Tell us about it

Talk us through what happened, including:

  • When.
  • Where.
  • What was damaged. We may ask for photos of the damage.

We’ll then see if you’re covered for the damage and check the excess.

Step 3 - We'll process your claim

We will look at what’s happened and see how best to support your claim. This may mean repairing the damage, replacing an item, or giving you a cash payment.

We’ll help find you somewhere else to stay if your home is not fit to live in due to a claim.

Buildings insurance: FAQs

When should I get buildings insurance when buying a house?

You should make sure you have your buildings insurance in place for the date that contracts are exchanged. This is the point when you will be legally responsible for the house.

Do I need buildings insurance for a flat?

If you are renting, your landlord should have buildings insurance. You may want contents insurance to cover your own items inside your flat.

If you’re buying a flat as a leasehold, the freeholder will need buildings insurance. You’ll have to show this to your mortgage lender.

Is buildings insurance a legal requirement?

No. Buildings insurance isn’t required by law. But you may struggle to get a mortgage without cover in place.

I’m a landlord. Is buildings insurance right for me?

Yes. Our buildings insurance is designed to protect the owner of the building from the cost of incidents such as fires, floods or storms.

If you rent out a property, you can get our buildings insurance. Plus, you'll get cover for the things that you leave at the property for your tenants to use, such as carpets, curtains, TVs and home appliances.

Limits, terms and exclusions apply to all levels of cover. 

Get contents insurance

You can get contents insurance by itself, or with buildings insurance.

Contents insurance covers the cost of damage to your personal items if they are stolen or damaged by events like floods, fire or storm. These will be covered when they are in your home.

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. This includes any additional cover options you may benefit from.

Keep in mind, if you get your quote over the phone you’ll miss out on the 10% discount for buying online.

Retrieve your 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 if you have this information:

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

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.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).