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Compare Home Insurance

Compare our Home Insurance products and choose between two levels of affordable cover, that you can tailor to your specific needs.

Compare our two levels of Home Insurance

When it comes to looking after your home, you want to know you're in safe hands. Get Home Insurance that's there when you need it.

We offer two levels of Home Insurance:

  • Lloyds Bank Home Insurance - a tailored, flexible offering
  • Lloyds Bank Home Insurance Premier - a more inclusive offering where additional cover and higher limits are included as standard.

If you would like full details on limits, terms and exclusions, see our policy documents.

Buildings Insurance

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. When you take out Home Insurance with Lloyds Bank you can take out Buildings Insurance as a standalone policy or combine it with a Contents Insurance policy.

Building insurance

Cover Description

Home Insurance Limit

Home Insurance Premier Limit

Cover Description

Private residence cover

Home Insurance Limit

up to £500,000* (included)

Home Insurance Premier Limit

Unlimited** (included)

Cover Description

Outbuildings cover

Home Insurance Limit

up to £500,000* (optional)

Home Insurance Premier Limit

Unlimited** (included)

Cover Description

Accidental damage cover

Home Insurance Limit

up to £500,000* (optional)

Home Insurance Premier Limit

Unlimited** (included)

Cover Description

Replacement of sets cover

Home Insurance Limit

Not available

Home Insurance Premier Limit

Unlimited** (included)

Important information: The cover limits shown in this table are part of, not in addition to, the overall ‘Private residence cover limit’. This doesn’t apply to ‘specified Pedal cycle’ or ‘Specified items cover’.

*Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £1,000,000 for Buildings. There are elements of cover which are subject to lower limits.

**There are elements of cover which are subject to lower limits.

Ready to get a Home Insurance quote?

Getting a quote is simple and you'll be able to compare our two levels of cover side-by-side. Get a quote today, it'll take about 10 minutes.

Get a quotefor home insurance

Contents Insurance

Contents Insurance covers the cost of replacing or repairing your personal possessions if they are stolen or damaged by events like floods, fire and storm while in your home. When you take out Home Insurance with Lloyds Bank you can take out Contents Insurance as a standalone policy or combine it with a Buildings Insurance policy.

Contents insurance

Cover Description

Home Insurance Limit

Home Insurance Premier Limit

Cover Description

Private residence cover

Home Insurance Limit

up to £75,000* (included)

Home Insurance Premier Limit

Unlimited** (included)

Cover Description

Contents in outbuildings and in the open cover

Home Insurance Limit

up to £5,000 in outbuildings (optional)
up to £1,000 in the open (optional)

Home Insurance Premier Limit

up to £10,000 in outbuildings (included)
up to £2,000 in the open (included)

Cover Description

Accidental damage cover

Home Insurance Limit

up to £75,000* (optional)

Home Insurance Premier Limit

Unlimited** (included)

Cover Description

Replacement of sets cover

Home Insurance Limit

Not available

Home Insurance Premier Limit

Unlimited** (included)

Cover Description

High Risk Items
(individually worth up to £3,000)

Home Insurance Limit

£10,000 as standard ***

Home Insurance Premier Limit

£10,000 as standard ***

Cover Description

Personal belongings away from the home cover

Home Insurance Limit

up to £15,000** (optional)

Home Insurance Premier Limit

up to £25,000** (optional)

Cover Description

Students’ contents away from the home cover

Home Insurance Limit

up to £10,000** (optional)

Home Insurance Premier Limit

up to £10,000** (optional)

Cover Description

Pedal cycle cover

Home Insurance Limit

up to £10,000** (optional)

Home Insurance Premier Limit

up to £10,000** (optional)

Cover Description

Specified Items Cover
(individually worth over £3,000)

Home Insurance Limit

up to £30,000** (optional)

Home Insurance Premier Limit

up to £50,000** (optional)

Important information: The cover limits shown in this table are part of, not in addition to, the overall ‘Private residence cover’ limit. This doesn’t apply to ‘specified Pedal cycle’ or ‘Specified items cover’.

*Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £100,000 for contents. There are elements of cover which are subject to lower limits.

** There are elements of cover which are subject to lower limits.

*** Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £30,000 on Home Insurance and £50,000 on Home Insurance Premier.

Ready to get a Home Insurance quote?

Getting a quote is simple and you'll be able to compare our two levels of cover side-by-side. Get a quote today, it'll take about 10 minutes.

Get a quotefor home insurance

Get added protection with additional cover

You can choose from a wide range of additional cover options to tailor your policy to your requirements. Here are some of our additional cover options:

  • Legal Expenses Cover
  • Home Emergency Cover
  • Pedal Cycle Cover
  • Personal Belongings Away from the Home Cover
  • Specified Items Cover.

Limits, terms and exclusions apply.

If you'd like more information about our additional cover options, we have a full list available.

Get Home Emergency Cover

Get peace of mind by covering the cost of emergency repairs in your home. Home Emergency Cover costs just £3.30 a month or £39.60 annually - that's less than 11p a day. We'll provide you with a 24 hour helpline and support you with unexpected emergencies inside your home. This includes: 

  • failure or breakdown of your main heating system
  • failure or damage to plumbing or drainage
  • electric mains failure.

Please note: This insurance is provided by Allianz Global Assistance. This cover can only be purchased at the same time as a new Home Insurance policy, it can’t be added on to existing polices. Limits, terms and exclusions apply.

Our Home Insurance offers

When it comes to looking after your home, you want to know you're in safe hands. Get Home Insurance that's there when you need it.

Introductory discount on a new Home Insurance policy

You could save money with Lloyds Bank Home Insurance. Get a 40% discount in your first year when you buy any new Home Insurance policy.

Conditions apply to this offer.

Get a quote today, it'll take about 10 minutes.

Get a quotefor home insurance

Important information: The discounts exclude Home Emergency and Legal Expenses cover. The discounts are not added together and applied at the same time. They’re applied one after the other to the discounted premium which reduces the total discount you receive.

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; including any additional cover options you may benefit from.

Call us on 0800 056 3040

Lines are open from 8am-8pm Monday to Friday and 8am-4pm Saturday.

Retrieve a 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 with the following information:

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

Switching Home Insurance

We want buying home insurance to be simple as possible. To help you find the right insurance to suit your needs,  we've created a handy guide.

Our guide provides information on:

  • how to check your existing policy
  • how to reduce the cost of your home insurance
  • how to work out what type of cover you need
  • comparing home insurance quotes.

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).