Compare Home Insurance

Compare our two levels of Home Insurance cover and choose the one which best suits your needs.

Compare our two levels of Home Insurance

When it comes to looking after your home, you want to be in safe hands. Lloyds Bank offers Home Insurance that's there when you need it.

We offer two levels of Home Insurance:

  • Lloyds Bank Home Insurance. A tailored and flexible offering. You can select cover limits and additional cover to suit you.
  • Lloyds Bank Home Insurance Premier. A more inclusive offering where some higher limits and more cover is included as standard, such as accidental damage.

Limits, terms and exclusions apply to all levels of cover. For more information, see our policy documents.

 

Why compare Home Insurance?

 

The right Home Insurance can help ensure that 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 current needs.

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

We can help you alter your policy 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 type of insurance 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 suited for you. If you rent your home, you’ll only need Contents Insurance.

What extra cover are you looking for?

As well as the standard coverage, we offer extra cover that you may want. Our extra cover includes:

Pedal cycle. Cover your bicycle against the cost of events inside your home or on the road.

Accidental damage*. For damage that happens within the home. You will get this cover as standard with our premier policy.

Personal belongings away from the home. Protect your items while you’re out of the house.

Ways you may reduce costs

There are many small changes you can make that may bring the cost of your Home Insurance down or reduce claim costs:

  • Install a burglar alarm.
  • Install a safe to store high value items.
  • Fit smoke alarms and carbon monoxide alarms. 
  • Protect your home against flooding.
  • Paying yearly rather than monthly can sometimes be cheaper.

*Accidental Damage cover is included as standard with Lloyds Bank Home Insurance Premier.

Limits, terms and exclusion apply to all levels of cover

Ready to get a Home Insurance quote?

Get a quote today and Compare our two levels of cover side-by-side in 4 simple steps.

Get a quote

Compare Buildings Insurance

Buildings Insurance covers the structure of your home and its fixtures and fittings. It protects them against the cost of repairs caused by events like floods, fires and storms.

You can take out Buildings Insurance by itself, or 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’. 

*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.

**This represents the total Sum Insured. Please note there are elements of cover which are subject to lower limits.

Compare Contents Insurance

Contents Insurance covers the cost of repairing or replacing the things you own. You’ll be covered if they are stolen or damaged by events like floods, fire and theft, while in your home.

You can take out Contents Insurance by itself or with Buildings Insurance.

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

(individually worth up to £3,000)

Home Insurance Limit

Selectable up to £15,000** (optional)

Home Insurance Premier Limit

Selectable 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

(Unspecified cycles individually worth up to £500)

(Specified cycles individually worth up to £5,000)

Home Insurance Limit

up to £10,000** (optional)

Home Insurance Premier Limit

up to £10,000** (optional)

Cover Description

Specified Items Cover
(High Risk Items & Personal Belongings named on your policy that are individually worth more than £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.

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
  • 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 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 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. Discount excludes Home Emergency and Legal Expenses Cover.

Get a quote today in just 4 simple steps.

 

Get a quote

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-6pm Monday to Friday and 9am-1pm 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.

Find out more about Lloyds Bank Home Insurance

Home Insurance

Contents Insurance

Buildings Insurance

Make a claim

Useful links

What is Home Insurance?

What is Buildings Insurance?

What is Contents Insurance?

What is accidental damage insurance?

Insurance for Gadgets

Jewellery Insurance

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).