person lying down on couch smiling at mobile phone in their hand

Why do you need Contents Insurance?

We know that the things you own mean a lot. They may also have a high value in money terms and replacing them could be costly.

That’s where Home Contents Insurance can help. It can cover the costs of repairing or replacing them, should something go wrong.

It’s important to work out how much these costs would be. Here is how you can start.

  • Make a list of the things you own by room, with highest value items first.
  • Update your records regularly, especially when you buy more valuable things.
  • Give this list to your insurance provider, as there may be limits on the amount you can claim for.

What cover can Lloyds Bank provide?

Contents Insurance could cover the cost of repairing or replacing the things in your home. 

We could pay out if items are stolen or damaged by events like flooding, fire or storms, while they are in your home.

To find out how it works, we have lots of guides about the cover available.

Limits, terms and exclusions apply. 

What extra cover is available for you?

For an additional cost, you may want to add extra cover to your standard policy.

This can help you to choose cover that suits your needs and gives you added peace of mind.

For example, we can offer.

  • Accidental Damage Cover - This protects your personal possessions from physical damage that’s sudden, unexpected and not done on purpose*. 
  • Contents in Outbuildings and in the open cover - This protects your personal things when they are in your garden or in detached outbuildings. Such as garages, sheds and greenhouses*.  
  • Pedal Cycle cover - Insure your bicycle inside your home or on the road.
  • Personal belongings - You can protect items such as phones and tablets while you’re out of your home.

Limits, terms and exclusions apply to all levels of cover.

*Accidental Damage cover and Contents in Outbuildings and in the open cover are included as standard with Lloyds Bank Home Insurance Premier.

What level of cover is right for you?

When it comes to protecting the things you own, you want to know you're in safe hands. Get Contents Insurance that's there when you need it.

We offer two levels of Home Insurance:

  • Lloyds Bank Home Insurance. Tailored, flexible cover. You can select cover limits and additional cover to suit you.  
  • Lloyds Bank Home Insurance Premier. Higher limits and more cover is included as standard. 

Ready to get a Home Insurance quote?

It’s easy to start a quote with us. You can compare our two levels of cover side-by-side in just 4 simple steps.

Get a quote nowAbout getting a quote.

Contents Insurance

Contents Insurance covers the cost of replacing your personal possessions if they are stolen, or repairing them if they are damaged by events like floods, fire and storm while in your home.

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

(Unspecified cycles individually worth up to £500)

(Specified cycles individually worth up to £5,000)

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)

Cover Description

Home Insurance Limit

Home Insurance Premier Limit

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.

What is Contents Insurance?

Contents Insurance can cover the items in your home in case they are damaged or stolen, while in the home.

It’s designed to protect you from the cost of replacing or repairing them. When you take out this cover, you can relax knowing that the costs of damage from theft, fire, storms, flooding or vandalism are covered. 

Limits, terms and exclusions apply to all levels of cover.

What does Contents Insurance cover?

When you take out Contents Insurance, it's helpful to know what will be insured on your policy.

What does Contents Insurance cover?

Our Contents Insurance covers:

  • Contents that belongs to you and your family. This means household goods, personal things and high risk items, while they are in your home.
  • High risk items include TVs, your laptops, mobile phone, and jewellery.
  • Items in attached outbuildings. Like an attached garage or conservatory.
  • The cost of repairing or replacing your contents that have been stolen or damaged by an insured event while in your home. This includes fire, flood and storm damage. 
  • Replacement locks and keys. If you lose your keys to outside doors of your home or they are stolen.
  • Money or credit cards stolen from your home. 
  • Items that belong to visitors to your home. 

This not an exhaustive list. Limits, terms and exclusion apply to all levels of cover. For more information on what’s covered, check out our policy documents.

What isn't covered?

These are some of the things that our Contents Insurance policy doesn’t cover: 

  • Items held or used for business or professional purposes. Other than office furniture and equipment. 
  • Theft from your home whilst anyone other than your family is staying there. Unless force and violence was used. 
  • Wear and tear. Damage that happens naturally as something gets old is known as ‘wear and tear’. Most things in your home will end up suffering from this. Your policy doesn’t cover you for this kind of damage. 
  • Deliberate damage. Any damage done on purpose as a malicious or wilful act by you or your family. 

This is not an exhaustive list. You can find out what else isn't covered in our policy booklet. (PDF, 3.03 MB)

Limits, terms and exclusions apply. 

How do I work out the value of my possessions?

To work out how much the valuables in your home are worth, it helps to follow these tips:

  • List all your possessions in each room. Scan around and look for anything that is of value and make a note of them all.
  • Estimate how much they’re worth. It helps to look online at how much it would cost to buy each item now if it needed replacing.
  • Add the combined values up. Add up the totals and you have the estimated value of your possessions to pass on to your insurer.

How to make a claim on your Contents Insurance

Step One

Starting a claim with us is easy.

But here are a few things you need to do before contacting us.

If an item has been stolen or damaged through vandalism, contact the police first.

If something is damaged that needs urgent repairs, like a broken lock or window, be sure to keep any invoices or receipts for repair work.

Otherwise, leave items as they are.

Then, read your policy booklet to check what level of cover you have with us.

Step Two

Get in touch with us.

You can claim online here. Or if you prefer you can call us.

If your policy begins with HAP, call us on 0345 300 5177.

For all other policies, give us a ring on 0345 300 0110.

We’ll try to make things easy for you. We’ll start by asking you to confirm your personal details and identity.

Next, we’ll ask for a bit of info about your claim. This will include what happened, when, where and details about what has been lost or damaged.

Finally, we’ll confirm if your items are covered and if you can make a claim.

Step Three

We’ll just need a final bit of information from you.

First, we’d like a list of everything that has been damaged. This will help us work out your claim.

Then, we may ask for proof that you own the items. So, gather things like receipts, invoices, credit agreements etc.

Once we have all your info, we’ll calculate any cash repayments or replacements you’re due.

We’ll also provide advice on the next steps you need to take with your claim.

Contents insurance: FAQs

How soon can I claim on Contents Insurance?

Your policy documents will show the start date of your policy.  Any loss or damage that happened before that date you’ll need to speak to your previous insurance provider. 

If something happens after that date then you can call us straight away. Make sure you check your policy documents first. Then, gather information about the items that have been damaged or stolen. That way, we can get to work on your claim as soon as possible.

Does Contents Insurance cover fixtures and fittings?

No, contents insurance doesn’t cover these. To cover your home fixtures and fittings, you’ll need to take out Buildings Insurance. This type of insurance covers the cost of repair of damage to things like your fitted kitchen or bathroom in your home.

Do you need Contents Insurance if you rent?

If you rent your home, you may need Contents Insurance. This can cover the cost of damage to your personal items if they are damaged by an insured event or stolen.

Get Buildings Insurance

Lloyds Bank offer both individual 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.

Limits, terms and exclusions apply.

Flexible Contents Insurance

Our Flexible Contents Insurance could be what you are looking for.

Monthly cover that you can manage online 24/7, with no admin fees.

Simple cover that gives you the freedom and flexibility to protect the things that matter to you most.

Learn more about Flexible Contents Insurance

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-6pm Monday to Friday and 9am-1pm 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).