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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.
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)
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 |
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).
To help you work out how much the contents in your home are worth:
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.
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.
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. |
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 |
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 |