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Home Insurance contents cover

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What is home contents insurance?

Home contents insurance usually covers the cost of replacing or repairing your personal possessions if while in your home they are:

  • Damaged or destroyed by floods or fire
  • Stolen

It does not cover the structure of your home and any permanent fixtures and fittings, which are protected by buildings insurance.

Why do you need home contents insurance?

Personal possessions mean a lot. They may also have a high value in money terms – to replace them could be costly. It’s important to keep a record of how much this cost would be. Here is how you can start.

  1. Make a list of your possessions by room, with highest value items first.
  2. Update your records regularly, especially when valuable items are added.
  3. Tell your insurance provider about these – your cover could be affected.

You may have to give details on the policy for high value items that you own. Remember too that there may be limits on any single item or claim you can make.

What cover can Lloyds Bank home contents insurance provide?

Lloyds Bank home contents insurance protects furnishings, clothing and household goods against fire, flooding and theft as standard.

We’ve created new guidance for commonly requested cover details including:

What extra cover can be added to Lloyds Bank home contents insurance?

For an additional cost you may want to add extra cover to your standard policy. This helps you to select cover that suits your needs and gives you added peace of mind, for example:

  • high risk items, cover for belongings such as televisions, jewellery, mobile phones or laptops within your home
  • accidental damage, for damage accidentally caused by you to items in your home
  • personal belongings, giving protection for your items while away from home.

How much cover is given by Lloyds Bank home contents insurance?

Our Home Insurance policy provides up to £75,000 cover as standard. This includes the following protection.

  • Money & credit cards. Your cards and cash are covered in your home.
  • Alternative accommodation. Your family and domestic pets are protected if you can’t live at home due to an insured event.
  • Visitor belongings. Items your visitors bring when they visit your home are protected.

Home Insurance Premier offers higher limits with extra features for worry free cover.

Limits, terms and exclusions apply, see our policy booklet for full details.

Help and guidance

Insuring your home can sometimes feel overwhelming, so we're here to help make things as simple as possible.

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