Home Insurance protects your house and its belongings against the cost of damage. It can cover the cost of replacing your items and your home in the event of fire, flood, storm or theft.

When you take out Home Insurance, you can choose between three types of cover:

  • Buildings - Covers the structure, fixtures and fittings of your home.
  • Contents - Protects the things inside your home, like TVs, beds and cameras.
  • Combined - Covers both your building and your belonging in one policy.

What type of Home Insurance do I need?

The type of cover you need depends on whether you own or rent your home:

  • If you are a homeowner, then combined Buildings and Contents Insurance covers both items within your home and things in it.
  • If you rent, you'll only need Contents Insurance. This will cover items owned by you. Your landlord will arrange Buildings Insurance.

What does Home Insurance cover?

Home Insurance is made up of Contents and Buildings Insurance:

Buildings Insurance

Buildings Insurance covers the cost of repairing the structure, fixtures and fittings of your home. This includes:

  • Roofs
  • Walls
  • Windows
  • Pipes and cables
  • Fitted kitchen and bathrooms
Our building insurance also includes:
  • Property owner's liability cover - Protects against claims made by visitors who are injured at your home.
  • Architects' and surveyors' fees - If the building is damaged due to an insured event, we'll pay the fees.
  • A place to stay - We'll pay for somewhere to stay if your home is unfit to live in due to a claim. To find out more about what is and isn't covered, check our policy booklet (PDF, 3.2MB)

Limits, Terms and exclusions apply.


Contents Insurance

Contents Insurance covers your items kept inside your house. Generally, Contents Insurance covers items such as:

  • Furniture
  • TVs
  • Laptops
  • Games consoles
  • Soft Furnishings
  • Kitchenware
  • Clothes
  • Jewellery
  • Toys
  • Ornaments

A good way to think of it, is anything that you'd pack up and take with you if you were to move house. To confirm what other items are covered, refer to our policy booklet (PDF, 3.2MB) for full details.

Limits, Terms and exclusions apply.

What doesn't Home Insurance cover?

There are some things that our Home Insurance doesn't cover. These include:

  • General wear and tear
  • Things breaking down or becoming faulty
  • Deliberate damage caused by you or your family
  • Money held for trade, professional or business purposes
  • Road vehicles and mobility scooters

To find out more about what is and isn't covered, check out our policy booklet (PDF, 3.2MB).

How much does Home Insurance cost?

How much your Home Insurance costs depends on lots of factors. For example, if you live near a river that floods often, or there are lots of burglaries in your area, your Home Insurance could cost more.

The following are some of the things we take into account when calculating your Home Insurance costs and how much you need to pay:

  • Where you live
  • When your home was built
  • Previous claims
  • Value of your contents
  • Home security

What is a Home Insurance premium?

A Home Insurance premium is how much you pay to take out a Home Insurance policy. The price of Home Insurance premiums can go up or down for lots of reasons, including:;

  • Severe weather. Cold and wet periods can make flooding and burst pipes more likely.
  • Tax changes. Insurance Premium Tax (IPT) increases affect your policy at renewal.
  • Repair costs. Rising repair costs may increase premiums.
  • Number of claims. The total amount of claims made can affect premium prices.

Ready to get a Home Insurance quote?

Getting a quote is simple and only takes a few minutes. Compare our two levels of cover side-by-side.

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How to make a Home Insurance claim

Contact us

You may be able to make a Home Insurance claim online. If your policy starts with HAP and you're registered for Internet Banking, you can help us assess your claim more quickly if you sign into Internet Banking to make your claim.

Alternatively please check the reference your policy starts with and call us as soon as possible on:

Check the details of your policy before calling.

Tell us about what happened and the extent of the damage.

Gather evidence

  • Note down the crime or lost property number if you have one.
  • If you need to make urgent repairs, take a photo before and after if you can. Keep the receipts for these repairs.
  • Make a list of everything that has been lost, stolen or damaged.
  • Keep damaged items where possible, and if you can, take photos of the damage.
  • Keep your original receipts for the items that you are claiming for. We may ask to see these to support your claim.

Await our decision

If your claim is successful, we can:

  • Help to repair, or replace your things, or offer cash.
  • Arrange for an approved contractor to make repairs to your home. These claims-related repairs will be guaranteed for 12 months.
  • Provide somewhere to stay for you, your family and pets, if your home is unfit to live in due to a claim.

Limit, terms and exclusions apply. To find out more check out our policy booklet (PDF, 3.2MB).

Home Insurance: FAQs

Do Home Insurance claims stay on a record?

Yes, they can stay on record up to 15 years after the policy has been cancelled.

Are new build homes cheaper to insure?

New build homes can be cheaper to insure as they often have more secure windows and doors, making it harder to break in. They are also likely to have more up to date electrics, reducing the likelihood of a fire.

Does Home Insurance cover mobile phones?

Home Insurance usually covers your mobile phone if it is stolen from your home. You may need extra cover for while you're outside of the home or for accidental damage. Accidental damage in the home is included with Lloyds Bank Home Insurance Premier.

Are garages covered by Home Insurance?

Garages and sheds are sometimes included by buildings insurance. But you may need extra cover if they are not attached to your home. 

Does Home Insurance cover the boiler?

Normally boiler repairs and replacements are not included from Home Insurance policies. Home Emergency Cover can help protect your boiler in case it breaks and needs replacing.

Does Home Insurance cover roof leaks?

This depends on what causes the leak. If the leak was caused by storm damage, then you may be covered. If the roof leak is due to general wear or poor maintenance, it may not be.

Does Home Insurance cover rising damp?

No. Rising damp is not covered by Home Insurance as it often falls under general wear and tear. 

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).

Telephone calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.