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Why choose Lloyds Bank home insurance?

Why choose Lloyds Bank home insurance?

Recommended by Which?
Lloyds Bank is a Which? recommended home insurance provider.

Here when you need us most
Make claims easily online or by phone. Our emergency helpline is always open.

Set your own excess
Choose the amount you’ll pay towards most claims - higher excess equals a lower premium.

No hidden costs
We won't charge an admin fee if you add cover to or remove it from your policy.

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)

  • 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).

  • 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.

What's covered as standard with Lloyds Bank

Whether you choose Bronze, Silver or Gold contents insurance, 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
  • Repairs carried out by our approved tradespeople are guaranteed for at least 12 months
  • Bikes in your home are also covered as standard
  • Always here to help – our UK-based emergency helpline is available 24 hours a day, 7 days a week.

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).

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.

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).

Extra cover you might like to consider

The level of cover you need will be individual to you. Check what’s included with our Bronze, Silver and Gold cover, and which optional extras you could add.

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).

  • 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 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

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.

  • 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).

Ready for a quote?

Save 10% on combined buildings and contents insurance when you get your quote and buy online. Read about our online price.

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Retrieve a quote

Pick up where you left off with a combined buildings and contents insurance quote. You’ll need your quote reference number to hand.

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Prefer to speak to us?

Just be aware, you’ll only get a 10% discount on Lloyds Bank contents insurance when you get your quote and buy online. Read about our online price.

Looking for buildings insurance?

You can buy contents insurance by itself, or combine it with buildings insurance.

Buildings insurance protects the structure of your home, including its outbuildings, against damage caused by things like flood, fire, storm or vandalism.

More about buildings insurance

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.

More about making a claim

Managing your policy

Whether you need to make a change to your home insurance cover, update your personal details, or choose your renewal options, we're here to help.

Manage your policy

Frequently asked questions

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.