Contents insurance
Protect the things in your home with contents insurance from Lloyds Bank.
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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 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 limits
Bronze
Silver
Gold
Cover limits
Contents
Bronze
£50,000
Silver
£100,000
Gold
£250,000
Cover limits
Accidental damage
Bronze
Not available
Silver
£100,000
Gold
£250,000
Cover limits
Damage to frozen food
Bronze
£500
Silver
£500
Gold
£500
Cover limits
Visitors' belongings
Bronze
£500
Silver
£500
Gold
£500
Cover limits
If you need somewhere else to stay
Bronze
£25,000*
Silver
£25,000*
Gold
£25,000*
Cover limits
Money
Bronze
£500
Silver
£500
Gold
£500
Cover limits
Documents
Bronze
£2,500
Silver
£2,500
Gold
£2,500
Cover limits
Contents in outbuildings
Bronze
£5,000
Silver
£5,000
Gold
£5,000
Cover limits
Contents in the open
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover limits
Trees and plants
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover limits
Metered water
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover limits
Personal legal responsibility
Bronze
£2,000,000*
Silver
£2,000,000*
Gold
£2,000,000*
Cover limits
Employer’s responsibility for domestic staff
Bronze
£10,000,000*
Silver
£10,000,000*
Gold
£10,000,000*
Cover limits
Protection for tenants
Bronze
£10,000*
Silver
£10,000*
Gold
£10,000*
Cover limits
Tenant’s home improvements
Bronze
£5,000*
Silver
£5,000*
Gold
£5,000*
Cover limits
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
You’ll need to tell us about any items worth more than £2,000, other than home appliances, and furniture which isn’t antique. These could include laptops, TVs, jewellery or bikes which would individually cost more than £2,000 to replace.
You can also choose to cover specified items within your home, or both in and away from your home.
Any specified items will be included as part of your overall contents sum insured amount. For items worth more than £2,000 individually, there’s a £20,000 individual item limit, and a £50,000 total specified items limit.
Limits, terms 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:
- List all of 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.
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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.
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Accidental damage cover protects your home and belongings against damage that’s sudden, unexpected and isn’t done on purpose. This is included as standard with Silver and Gold cover.
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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.
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With this cover, things like rings, watches, bikes and laptops are protected whenever you take them with you outside your home. You’re covered if they’re lost, stolen or accidentally damaged. This includes cover for students' contents when in university halls of residence or other student accommodation. It’s optional on all levels of cover for an additional cost.
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.
Gold
Included up to your chosen limit.
Cover limits
Including students’ contents
Bronze
Up to £5,000
Silver
Up to £5,000
Gold
Up to £5,000
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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
Limits, terms 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).
Already got a policy with us?
Frequently asked questions
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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.
Limits, terms 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.
Limits, terms 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.
Limits, terms 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 – covers the cost of repairing or replacing your possessions if they are stolen or damaged while in your home
- 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 – covers the cost of repairing or replacing your possessions if they are stolen or damaged while in your home
- 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
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.