Home contents insurance usually covers the cost of replacing or repairing your personal possessions if while in your home they are:
It does not cover the structure of your home and any permanent fixtures and fittings, which are protected by buildings 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.
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.
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:
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:
Our Home Insurance policy provides up to £75,000 cover as standard. This includes the following protection.
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.
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. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).
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