Wear and tear
Find out what wear and tear is and how it might affect your home insurance.
Wear and tear is the damage that happens naturally as something gets old. For example, your carpets getting dirty and worn. Or the nails in your roof slates corroding, allowing the slates to slip and let water into your home.
Most home insurance policies will only cover you for sudden events such as fire, floods or theft. They won’t cover damage caused by wear and tear or that happens slowly over time. For example, damp, condensation or rust.
This is why it’s important to read your policy documents to understand what is covered.
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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.
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Lloyds Bank Home Options Insurance is arranged by Lloyds Bank Insurance Service Limited and underwritten by Lloyds Bank General Insurance Limited. Lloyds Bank Insurance Services Limited is authorised and regulated by the Financial Conduct Authority under registration number 310738. Lloyds Bank General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202091. You can check the Financial Services Register at www.fca.org.uk.