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Contents insurance
Protect the things in your home with contents insurance from Lloyds.
Ready for a quote?
Choose to spread the cost and pay monthly with no extra charges.
Features and benefits
Compare our 3 levels of contents insurance: Bronze, Silver and Gold
The level of cover will be individual to you, depending on the value of your belongings and whether you want extra protection for things like accidental damage or legal expenses. Compare what’s included with our Bronze, Silver and Gold levels of cover to decide which one is best for you.
Using a mobile device? It might be easier to compare levels of cover in our policy limits PDF (796KB)
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The cover limits below are part of, not in addition to, your overall contents cover limit. This is with the exception of those limits marked with an *.
Cover
Bronze
Silver
Gold
Cover
Contents
Bronze
£50,000
Silver
£100,000
Gold
£250,000
Cover
Accidental damage
Bronze
Not available
Silver
£100,000
Gold
£250,000
Cover
Damage to frozen food
Bronze
£500
Silver
£500
Gold
£500
Cover
Visitors’ belongings
Bronze
£500
Silver
£500
Gold
£500
Cover
If you need somewhere else to stay
Bronze
£25,000*
Silver
£25,000*
Gold
£25,000*
Cover
Money
Bronze
£500
Silver
£500
Gold
£500
Cover
Documents
Bronze
£2,500
Silver
£2,500
Gold
£2,500
Cover
Contents in outbuildings
Bronze
£5,000
Silver
£5,000
Gold
£5,000
Cover
Contents in the open
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Trees and plants
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Metered water
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Personal legal responsibility
Bronze
£2,000,000*
Silver
£2,000,000*
Gold
£2,000,000*
Cover
Employer’s responsibility for domestic staff
Bronze
£10,000,000*
Silver
£10,000,000*
Gold
£10,000,000*
Cover
Protection for tenants
Bronze
£10,000*
Silver
£10,000*
Gold
£10,000*
Cover
Tenant’s home improvements
Bronze
£5,000*
Silver
£5,000*
Gold
£5,000*
Cover
Damage by emergency services
Bronze
Contents sum insured except trees, plants and shrubs where the limit is £1,000
Silver
Contents sum insured except trees, plants and shrubs where the limit is £1,000
Gold
Contents sum insured except trees, plants and shrubs where the limit is £1,000
Cover for specified items
Specified items are items worth more than £2,000 each that you need to name individually on your policy. These could include things like laptops, TVs, jewellery or bikes. You don’t need to tell us about home appliances and furniture that isn’t antique.
You can choose to cover these items in your home, or both in and away from your home.
For items worth more than £2,000 each, there’s a £40,000 individual item limit. The total limit for all specified items is £100,000.
Terms, limits and exclusions apply to all levels of cover.
Our policy booklet (PDF, 1MB) tells you more about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
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To help you work out how much the contents in your home are worth:
- Think about your contents in each room. Include things in outbuildings and within the boundaries of your property. Don't include fixtures and fittings such as bathroom suites or your fitted kitchen – these won’t be covered by your contents insurance policy
- Estimate how much they’re worth. It helps to look online at how much it would cost to buy each item now if you had to replace it
- Add up the values. The total is an estimated value for your possessions, which you can use to decide how much insurance cover you need.
Additional features and optional extras
The level of cover you need will be individual to you. Check what’s included with our Bronze, Silver and Gold levels of cover, and which optional extras you could add.
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Covers you for accidental damage to the things in your home.
So, if a drink spills on your carpet, you’re covered. We’ll pay to repair the damage or replace your things.
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Protects the things you have with you when you leave the house, like your phone, jewellery or bike. If you have any specified items, you can also choose to cover these away from home.
You’re covered if they’re lost or stolen, or accidentally damaged if you have this cover. It also includes cover for students’ contents while they’re temporarily living away from home to study.
Cover limits
Bronze
Silver
Gold
Cover limits
Items lost or stolen away from home
Bronze
Choose from £1,000 to £25,000
Silver
Choose from £1,000 to £25,000
Gold
Choose from £1,000 to £25,000
Cover limits
Including accidental damage cover
Bronze
Not available
Silver
Included up to your chosen limit for Away from home cover.
Gold
Included up to your chosen limit for Away from home cover.
Cover limits
Including students’ contents
Bronze
Up to £5,000, or your chosen limit for Away from home cover if it's less.
Silver
Up to £5,000, or your chosen limit for Away from home cover if it's less.
Gold
Up to £5,000, or your chosen limit for Away from home cover if it's less.
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Legal expenses cover provides expert help when you need legal support, covering costs up to £50,000. This is included as standard with Silver and Gold cover.
Administered by Arc Legal Assistance Limited, and underwritten by Royal & Sun Alliance Insurance Ltd.
Cover
Bronze
Silver
Gold
Cover
Legal expenses
Bronze
Not available
Silver
£50,000
Gold
£50,000
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Home emergency cover will pay for repairs up to £1,000, helping you to manage unexpected costs in an emergency. It’s optional on all levels of cover for an additional cost.
Underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.
Cover
Bronze
Silver
Gold
Cover
Home emergency
Bronze
£1,000
Silver
£1,000
Gold
£1,000
What's covered as standard with Lloyds
Whether you choose our Bronze, Silver or Gold level, cover includes:
- A safe place to stay if your home isn't fit to live in due to a claim. We'll pay the extra cost for you, your family and your household pets to stay somewhere similar
- We'll repair or replace items in your home damaged by things like flood, fire, storm or vandalism, or replace items stolen from your home
- Locks and keys are also covered. We’ll pay the cost of changing the locks to outside doors at your home if your keys are lost or stolen
- Contents in outbuildings and in the open at your home are covered under all levels of cover
- Bikes at your home are also covered as standard
- Repairs carried out by our approved tradespeople are guaranteed for at least 12 months
- Always here to help – our UK-based emergency helpline is available 24 hours a day, 7 days a week.
What isn’t covered?
There are some things that our contents insurance doesn’t cover:
- Items held or used for business reasons, other than home office equipment and furniture
- Theft from your home while anyone other than you and your family are staying there. However, we'll pay claims if force and violence was used to access/exit your home
- Damage that happens as something gets older, known as 'wear and tear'. Most things in your home will suffer from this eventually
- A claim as a result of a deliberate, malicious or unlawful act by you or your family.
Set an excess amount to suit you
Your excess is the amount you'll pay towards the cost of most types of claim. You can choose your own excess between £100 and £500. A higher excess means your cover will cost less, but you'll have to pay more towards a claim. The excess you will have to pay for some claims will be lower than your chosen excess.
With Bronze and Silver cover, there is a different excess for leaking water claims.
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Excess
Bronze
Silver
Gold
Excess
Your standard excess
Bronze
Choose between £100 and £500
Silver
Choose between £100 and £500
Gold
Choose between £100 and £500
Excess
Leaking water excess
Bronze
£500
Silver
£500
Gold
Your standard excess
Terms, limits and exclusions apply to all levels of cover.
Our policy booklet (PDF, 1MB) tells you more about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
Ready for a quote?
Choose to spread the cost and pay monthly with no extra charges.
Prefer to speak to us? Call to get a quote
Already got a policy with us?
Making a claim
If you’re an existing home insurance customer, you can make a claim online or by phone. To save you any additional stress, we’ll do all we can to process your claim quickly.
Let's look at the details
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Your policy documents will show the start date of your policy. If any loss or damage happened before that date, you’ll need to speak to your previous insurance provider.
If something happens after that date, then you can make a claim straight away. It’s just worth checking your policy documents first to make sure that type of claim is covered.
We’ll need information about the items which have been damaged or stolen, so please give as much detail as possible. That way, we can get to work on your claim as soon as possible.
Terms, limits and exclusions apply to all levels of cover.
Our policy booklet (PDF, 1MB) tells you more about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
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No, contents insurance doesn’t cover these. To cover your home fixtures and fittings, you’ll need to take out buildings insurance. This would cover the cost of repairing damage or replacing things like a fitted kitchen or bathroom in your home.
Terms, limits and exclusions apply to all levels of cover.
Our policy booklet (PDF, 1MB) tells you more about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
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If you rent your home, it’s a good idea to have contents insurance. This can cover the cost of repairing or replacing your personal items if they are stolen or damaged by an insured event.
Terms, limits and exclusions apply to all levels of cover.
Our policy booklet (PDF, 1MB) tells you more about what is and isn't covered.
Read more about the policy limits (PDF, 796KB).
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There are a few types of home insurance, the main ones being:
- Contents insurance – This covers the things in your home you would pack up and take with you if you moved. These can include things like furniture, clothing, electronic goods, carpets and curtains. Cover is for damage or loss caused by things like fire, flood, storm and theft.
- Buildings insurance – covers the structure of your home and its fixtures and fittings if they are damaged by events like flood, fire or storm
- Combined buildings and contents insurance – covers both buildings and contents under one policy. This could be simpler than applying for two separate policies.
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Yes, we offer 3 types of home insurance which you might like to consider:
- Contents insurance – This covers the things in your home you would pack up and take with you if you moved. These can include things like furniture, clothing, electronic goods, carpets and curtains. Cover is for damage or loss caused by things like fire, flood, storm and theft.
- Buildings insurance – covers the structure of your home and its fixtures and fittings if they are damaged by events like flood, fire or storm
- Combined buildings and content insurance – covers both buildings and contents under one policy. This could be simpler than applying for two separate policies.
Important legal information