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Compare home insurance
Compare our home insurance and choose the one which best suits your needs.
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.
What's in this guide?
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).
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 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 |
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 |
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 |
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 |
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 |
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