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Protect the things in your home with contents insurance from Lloyds Bank.
10% cheaper when you get your quote and buy online.
Read about our online price.
Here when you need us most
Make claims easily online or by phone. Our Home Emergency helpline is always open.
Choose your own excess
Select the amount you’ll pay towards most claims - a higher excess could mean you'll pay less for your cover.
No hidden costs
We won't charge an admin fee if you add cover to or remove it from your policy.
Here to get things sorted
Face to face Personal Claims Consultant support for complex claims if we think you need help.
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)
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 limitsContents |
Bronze£50,000 |
Silver£100,000 |
Gold£250,000 |
Cover limitsAccidental damage |
BronzeNot available |
Silver£100,000 |
Gold£250,000 |
Cover limitsDamage to frozen food |
Bronze£500 |
Silver£500 |
Gold£500 |
Cover limitsVisitors' belongings |
Bronze£500 |
Silver£500 |
Gold£500 |
Cover limitsIf you need somewhere else to stay |
Bronze£25,000* |
Silver£25,000* |
Gold£25,000* |
Cover limitsMoney |
Bronze£500 |
Silver£500 |
Gold£500 |
Cover limitsDocuments |
Bronze£2,500 |
Silver£2,500 |
Gold£2,500 |
Cover limitsContents in outbuildings |
Bronze£5,000 |
Silver£5,000 |
Gold£5,000 |
Cover limitsContents in the open |
Bronze£1,000 |
Silver£1,000 |
Gold£1,000 |
Cover limitsTrees and plants |
Bronze£1,000 |
Silver£1,000 |
Gold£1,000 |
Cover limitsMetered water |
Bronze£1,000 |
Silver£1,000 |
Gold£1,000 |
Cover limitsPersonal legal responsibility |
Bronze£2,000,000* |
Silver£2,000,000* |
Gold£2,000,000* |
Cover limitsEmployer’s responsibility for domestic staff |
Bronze£10,000,000* |
Silver£10,000,000* |
Gold£10,000,000* |
Cover limitsProtection for tenants |
Bronze£10,000* |
Silver£10,000* |
Gold£10,000* |
Cover limitsTenant’s home improvements |
Bronze£5,000* |
Silver£5,000* |
Gold£5,000* |
Cover limitsDamage by emergency services |
BronzeContents sum insured except trees, plants and shrubs where the limit is £1,000 |
SilverContents sum insured except trees, plants and shrubs where the limit is £1,000 |
GoldContents sum insured except trees, plants and shrubs where the limit is £1,000 |
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).
To help you work out how much the contents in your home are worth:
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.
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.
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.
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 limitsItems lost or stolen away from home |
BronzeChoose from £1,000 to £25,000 |
SilverChoose from £1,000 to £25,000 |
GoldChoose from £1,000 to £25,000 |
Cover limitsIncluding accidental damage cover |
BronzeNot available |
SilverIncluded up to your chosen limit. |
GoldIncluded up to your chosen limit. |
Cover limitsIncluding students’ contents |
BronzeUp to £5,000 |
SilverUp to £5,000 |
GoldUp to £5,000 |
Excess |
Bronze |
Silver |
Gold |
---|---|---|---|
ExcessYour standard excess |
BronzeChoose between £100 and £500 |
SilverChoose between £100 and £500 |
GoldChoose between £100 and £500 |
ExcessLeaking water excess |
Bronze£500 |
Silver£500 |
GoldYour 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).
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).
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).
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).
There are a few types of home insurance, the main ones being:
Yes, we offer 3 types of home insurance which you might like to consider: