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Home Insurance contents cover

Choose between two levels of affordable Lloyds Bank Content Insurance, that you can tailor to your specific needs.

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Welcome to Lloyds Bank Contents Insurance

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Our Contents Insurance policies can help cover the items that mean the most to you.

  • 40% discount for new home insurance customers in your first year when you buy a new policy.
  • 5% additional discount for Lloyds Bank customers in your first year when you confirm you have a Lloyds Bank product and buy a new policy.

Conditions apply to both offers.

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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.

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Why do you need 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.

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What cover can Lloyds Bank provide?

Lloyds Bank home contents insurance covers the cost of replacing or repairing your personal possessions if they are stolen or damaged by events such as floods, fire and storms while in your home.

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

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What extra cover is available for you?

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:

  • pedal cycle cover, protected for events inside your home or out on the road
  • accidental damage, for damage accidentally caused by you to items in your home
  • personal belongings, protects items such as phones, tablets, cameras, jewellery while away from home.

Limits, terms and exclusions apply.

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What level of cover is right for you?

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

Our Lloyds Bank Home Insurance Premier cover has been given 5 Stars by Defaqto. Independently verified as “providing one of the highest quality offerings in the market”.

Limits, terms and exclusions apply.

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Cover description

Home Insurance Limit

Home Insurance Premier Limit

Private residence cover

up to £75,000* (included)

Unlimited** (included)

Contents in outbuildings and in the open cover

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

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

Accidental damage cover

up to £75,000* (optional)

Unlimited** (included)

Replacement of sets cover

Not available

Unlimited** (included)

Personal belongings away from the home cover

up to £15,000** (optional)

up to £25,000** (optional)

Students’ contents away from the home cover

up to £10,000** (optional)

up to £10,000** (optional)

Pedal cycle cover

up to £10,000** (optional)

up to £10,000** (optional)

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

up to £30,000** (optional)

up to £50,000** (optional)

Private residence cover

Home Insurance Limit

up to £75,000* (included)

Home Insurance Premier Limit

Unlimited** (included)

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)

Accidental damage cover

Home Insurance Limit

up to £75,000* (optional)

Home Insurance Premier Limit

Unlimited** (included)

Replacement of sets cover

Home Insurance Limit

Not available

Home Insurance Premier Limit

Unlimited** (included)

Personal belongings away from the home cover

Home Insurance Limit

up to £15,000** (optional)

Home Insurance Premier Limit

up to £25,000** (optional)

Students’ contents away from the home cover

Home Insurance Limit

up to £10,000** (optional)

Home Insurance Premier Limit

up to £10,000** (optional)

Pedal cycle cover

Home Insurance Limit

up to £10,000** (optional)

Home Insurance Premier Limit

up to £10,000** (optional)

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.

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Get Buildings Insurance

Lloyds Bank offer both Home Insurance buildings cover and combined Buildings and Contents cover.

Generally, 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.

Buildings Insurance

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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 SaturdayCall telephone number 0800 056 3040Lines are open from 8am-8pm Monday to Friday and 8am-4pm Saturday.

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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.

Retrieve a quote now