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Buildings insurance
Protect your home, including its fixtures and fittings, with buildings insurance from Lloyds.
Ready for a quote?
Choose to spread the cost and pay monthly with no extra charges.
Why choose Lloyds home insurance?
Here when you need us most
Make claims easily online or by phone. Our out of hours emergency claims helpline is available for urgent support.
Choose your own excess
Pay your chosen excess 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.
Manage your policy online
It’s easy to manage your policy online; claim, renew and pay. Log on to the app or Internet Banking if you’re registered, to make managing your policy even easier.
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.
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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 available
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 available
Gold
Not available
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
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).
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Whether you choose Bronze, Silver 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 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).
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 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).
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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.
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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.
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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.
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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
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).
Prefer to speak to us? Call to get a quote
Already got a policy with us?
Frequently asked questions
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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.
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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.
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No. Buildings insurance isn't a legal requirement. But you may struggle to get a mortgage without cover in place.
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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.
- 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
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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.