Contents insurance
Choose between our three levels of contents insurance and pick extra cover, if you need it. Protect the things in your home with contents insurance from Lloyds.
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Features and benefits
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 levels of 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
Bronze
Silver
Gold
Cover
Contents
Bronze
£50,000
Silver
£100,000
Gold
£250,000
Cover
Accidental damage
Bronze
Not available
Silver
£100,000
Gold
£250,000
Cover
Damage to frozen food
Bronze
£500
Silver
£500
Gold
£500
Cover
Visitors’ belongings
Bronze
£500
Silver
£500
Gold
£500
Cover
If you need somewhere else to stay
Bronze
£25,000*
Silver
£25,000*
Gold
£25,000*
Cover
Money
Bronze
£500
Silver
£500
Gold
£500
Cover
Documents
Bronze
£2,500
Silver
£2,500
Gold
£2,500
Cover
Contents in outbuildings
Bronze
£5,000
Silver
£5,000
Gold
£5,000
Cover
Contents in the open
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Trees and plants
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Metered water
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Personal legal responsibility
Bronze
£2,000,000*
Silver
£2,000,000*
Gold
£2,000,000*
Cover
Employer’s responsibility for domestic staff
Bronze
£10,000,000*
Silver
£10,000,000*
Gold
£10,000,000*
Cover
Protection for tenants
Bronze
£10,000*
Silver
£10,000*
Gold
£10,000*
Cover
Tenant’s home improvements
Bronze
£5,000*
Silver
£5,000*
Gold
£5,000*
Cover
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
Specified items are items worth more than £2,000 each that you need to name individually on your policy. These could include things like laptops, TVs, jewellery or bikes. You don’t need to tell us about home appliances and furniture that isn’t antique.
You can choose to cover these items in your home, or both in and away from your home.
For items worth more than £2,000 each, there’s a £40,000 individual item limit. The total limit for all specified items is £100,000.
Terms, limits 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:
- Think about 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.
Additional features and optional extras
The level of cover you need will be individual to you. Check what’s included with our Bronze, Silver and Gold levels of cover, and which optional extras you could add.
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Covers you for accidental damage to the things in your home.
So, if a drink spills on your carpet, you’re covered. We’ll pay to repair the damage or replace your things.
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Protects the things you have with you when you leave the house, like your phone, jewellery or bike. If you have any specified items, you can also choose to cover these away from home.
You’re covered if they’re lost or stolen, or accidentally damaged if you have this cover. It also includes cover for students’ contents while they’re temporarily living away from home to study.
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 for Away from home cover.
Gold
Included up to your chosen limit for Away from home cover.
Cover limits
Including students’ contents
Bronze
Up to £5,000, or your chosen limit for Away from home cover if it's less.
Silver
Up to £5,000, or your chosen limit for Away from home cover if it's less.
Gold
Up to £5,000, or your chosen limit for Away from home cover if it's less.
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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.
Administered by Arc Legal Assistance Limited, and underwritten by Royal & Sun Alliance Insurance Ltd.
Cover
Bronze
Silver
Gold
Cover
Legal expenses
Bronze
Not available
Silver
£50,000
Gold
£50,000
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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.
Underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.
Cover
Bronze
Silver
Gold
Cover
Home emergency
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Home insurance in your pocket
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Important legal information