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).

Why compare home insurance?

The right home insurance can help you feel safe and secure. Switching provider could help you find the cover that’s best for you.

Here’s some simple tips when you’re comparing home insurance:

Check your current home insurance policy

If you already have home insurance, you should check your policy documents to see that everything on your existing policy still covers your needs.

Things may have changed since you first took out insurance. For example, you may have added an extra room to your house, or bought more high value items.

If your policy is with us, we can help you alter it at any time. We don’t charge an admin fee for this.  

What type of policy do you need?

Buildings insurance. This covers the structure of your home and its fixtures and fittings.

Contents insurance. This covers your personal items while they are inside your home.

You can take out a combined policy to be covered for both.

If you own and live in your home, a combined policy may be best for you. If you rent your home, you’ll only need contents insurance.

What extra cover are you looking for?

Home Insurance Select offers offer three levels of cover to choose from – Bronze, Silver and Gold.

You should think about which extras are important to you when you're choosing the type of cover that's best for you.

Accidental damage - For damage that happens within the home.  Included only with Home Insurance Select Silver and Gold levels of cover and comes as standard too.

Cover away from the home. Protect your items while you're out of the house. Optional 'Away from home cover' can be added to Bronze, Silver or Gold level of cover of the Home Insurance Select content insurance.

With our Flexible Contents Insurance, you can add optional ‘Anywhere cover’ to cover selected items to be covered for accidental damage in or away from your home. It will also cover these items for theft or loss away from the home too.

Compare Home Insurance Select cover and options

Choose from three levels of cover with Home Insurance Select.

You can only get Home Insurance Select directly with us. You’ll save 10% if you buy online. Read the terms and conditions.  

Compare buildings insurance

Buildings insurance covers the structure of your home if it’s damaged by events like floods, fires and storms. 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.

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

Compare contents insurance

Contents insurance covers the cost of replacing your personal possessions if they are stolen, or repairing them if they are damaged by events like floods, fire and storm while in your home.

Take out contents insurance as a standalone policy or combine it with a buildings insurance policy.

Cover

Bronze

Silver

Gold

Cover

Contents limit up to

Bronze

£50,000

Silver

£100,000

Gold

£250,000

Cover

Accidental damage

Bronze

Not available

Silver

Included, up to £100,000

Gold

Included, up to £250,000

Cover

Legal Expenses

Bronze

Not available

Silver

Included, up to £50,000

Gold

Included, up to £50,000

Cover

Away from home

Bronze

Optional extra, from £1,000 up to £25,000

Silver

Optional extra, from £1,000 up to £25,000

Gold

Optional extra, from £1,000 up to £25,000

Cover

Home Emergency

Bronze

Optional extra, up to £1,000

Silver

Optional extra, up to £1,000

Gold

Optional extra, up to £1,000

Options available with Home Insurance Select

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 contents cover offers:

  • Accidental damage cover. This protects your belongings 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
  • Away from home cover. This protects the things you have with you when you leave the house, like your phone, watch or bike. It also covers students’ contents up to £5,000. It’s optional on all levels of cover.

Unlike some home insurance providers, we don't ask you to add separate cover for things like bicycles or high value items in the home.

  • Contents in sheds or garages or out in the open are covered as standard with all levels of cover
  • High value items that are worth more than £2,000 are covered if you specify them on your policy
  • Bikes are covered in your home as standard. You can protect them out and about with Away from home cover.

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

Ready for a quote?

 

Get a Home Insurance Select quote

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

Get a quote now

Retrieve a quote

Pick up where you left off.

Retrieve your quote

Compare Home Insurance Select with Flexible Contents Insurance

See how Home Insurance Select compares to Flexible Contents Insurance so you can choose the cover that best suits your needs.

Key differences

Home Insurance Select - contents insurance

Flexible Contents Insurance

Key differences

Cover term

Home Insurance Select - contents insurance

Yearly cover with no admin charges to cancel or change cover

Flexible Contents Insurance

Monthly cover with no admin charges to cancel or change cover

Key differences

Managing your policy

Home Insurance Select - contents insurance

Manage your policy on the phone with some parts online

Flexible Contents Insurance

Manage your policy online

Key differences

Making a claim

Home Insurance Select - contents insurance

Make claims online or over the phone

Flexible Contents Insurance

Make claims online

Key differences

Cover limit

Home Insurance Select - contents insurance

Minimum of £50,000 cover in the home for a number of events such as fire, flood, theft and water damage

Flexible Contents Insurance

£10,000 simple cover in the home against fire, flood, theft and water damage caused by leaks

Key differences

Optional cover

Home Insurance Select - contents insurance

Cover your items anywhere in the world if you add
Away from home cover at an extra cost

Flexible Contents Insurance

Optional cover at an extra cost for selected items worldwide if you add Anywhere Cover

Key differences

Liability cover limit

Home Insurance Select - contents insurance

Up to £2,000,000 cover for the breach of your legal responsibilities

Flexible Contents Insurance

Up to £10,000 cover if you’re responsible for fire, flood and water damage to your landlord’s or neighbour’s property

Key differences

Get a quote

Home Insurance Select - contents insurance

Flexible Contents Insurance

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

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).