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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.

    Protect your Black Friday purchases with our Contents Insurance

    With a 40% discount in your first year when you buy any new Home Insurance policy, and cover that’s there when you need it, our contents insurance covers your favourite possessions.

     

    Conditions apply to this offer.

     

    Get a quote today, it’ll take about 10 minutes.

     

    Get a quote

    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.

    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.

    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:

    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.

    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”.

    Contents Insurance

    Contents Insurance covers the cost of replacing or repairing your personal possessions if they are stolen or damaged by events like floods, fire and storm while in your home. When you take out Home Insurance with Lloyds Bank you can take out Contents Insurance as a standalone policy or combine it with a Buildings Insurance policy.

    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

    Home Insurance Limit

    up to £15,000** (optional)

    Home Insurance Premier Limit

    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

    Home Insurance Limit

    up to £10,000** (optional)

    Home Insurance Premier Limit

    up to £10,000** (optional)

    Cover Description

    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.

    *** 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.

    Ready to get a Home Insurance quote?

    Getting a quote is simple and you'll be able to compare our two levels of cover side-by-side. Get a quote today, it'll take about 10 minutes.

    Get a quotefor home insurance

    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.

    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 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.

    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).