Your cover explained.

We offer two levels of cover, Lloyds Banking Home Insurance – a tailored, flexible offering and Lloyds Bank Home Insurance Premier – a more inclusive offering where additional cover and higher limits are included as standard.

Private residence cover

Buildings insurance

This covers the private residence including integral and attached garages and conservatories, gates, fences, paths, driveways and patios. This includes:

  • Replacement locks and keys.
  • Alternative accommodation if your home becomes uninhabitable.
  • Accidental damage to underground services.
  • Trace and access and emergency access cover in the home perimeter
  • Property owner's liability

Read more about Building - Private residence cover on page 13 of the policy booklet (PDF).

Contents insurance

This covers contents in the private residence including contents in integral or attached garages and attached conservatories. This includes:

  • Replacement locks and keys, freezer contents, visitors’ belongings, clerical business equipment, money and cards;
  • Alternative accommodation if your home becomes uninhabitable;
  • Occupier’s and public liability cover.

Read more about Contents - Private cover on page 22 of the policy booklet (PDF).

Please note: to check what cover you’ve chosen, see your policy schedule.

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Replacement of sets cover

Buildings insurance

Where there is a valid claim, this covers the changing or replacement of any associated undamaged items that form part of a set or other uniform items that are lost or damaged where a reasonable match cannot be obtained. This includes:

  • Replacing undamaged kitchen tiles because they matched damaged tiles; or
  • Replacing an undamaged bath because a broken toilet cannot be matched.

Read more about Buildings - Replacement of set cover on page 18 of the policy booklet (PDF).

Contents Insurance

Where this is a valid claim, this covers the changing or replacement of any associated undamaged items that form part of a set or other uniform items that are lost or damaged where a reasonable match cannot be obtained. For example:

  • Replacing undamaged dining room carpet because it doesn’t match damaged carpet in the adjoining lounge.

Read more about Contents - Replacements of set cover on page 30 of the policy booklet (PDF).

Please note: to check what cover you’ve chosen, see your policy schedule.

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Accidental damage cover

Buildings insurance

This covers damage caused accidentally. This includes:

  • Football smashing a window;
  • DIY accidents;
  • Slipping in the bath causing it to crack; and
  • Snapping a key in the lock.

Read more about Buildings - Accidental damage cover on page 21 of the policy booklet (PDF).

Contents insurance

This covers damage caused accidentally. This includes:

  • Spilling wine on a carpet;
  • Your dog knocking over a vase;
  • Snapping a key in a lock; and
  • Knocking over and damaging a TV.

Read more about Contents - Accidental damange cover on page 37 of the policy booklet (PDF).

Please note: to check what cover you’ve chosen, see your policy schedule.

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Outbuildings cover

Buildings insurance

This covers structures detached from your private residence. This includes:

  • Sheds;
  • Summer houses; and
  • Garages.

Read more about Outbuildings cover on page 18 of the policy booklet (PDF).

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Pedal cycle cover

Contents insurance

This covers loss or damage including accidental damage to pedal cycles. This includes:

  • Cover when the pedal cycles are in your home;
  • Cover for pedal cycles within the boundary of your home; and
  • Cover for pedal cycles temporarily away from your home.

Read more about Pedal cycle cover on page 40 of the policy booklet (PDF).

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Contents in outbuildings and in the open cover

Contents insurance

This covers contents in detached outbuildings . This includes:

  • Clothes;
  • BBQ’s;
  • Tools;
  • Gardening equipment;
  • Lawnmowers;
  • Freezer contents; and
  • Domestic fuel and water.

This also covers contents in the open within the boundaries of your home. This includes:

  • Garden furniture;
  • Ornaments; and
  • Pot plants.

Read more about Contents in outbuildings and in the open cover on page 31 of the policy booklet (PDF).

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Students content away from home cover

Contents insurance

This covers students' contents away from home. This includes:

  • Contents and personal belongings away at university halls of residence or rented student accommodation; and
  • Accidental damage.

Read more about Students contents away from home cover on page 40 of the policy booklet (PDF).

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Personal belongings away from the home cover

Contents insurance

This cover includes items carried or worn outside the home (individually worth no more than £3,000), such as:

  • Jewellery;
  • Spectacles;
  • Watches;
  • Laptops;
  • Tablets;
  • Mobile phones;
  • Money and/or cash cards; and
  • Accidental damage.

Read more about Personal belongings away from home cover on page 37 of the policy booklet (PDF).

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High risk items

Contents insurance

High risk items include:

  • Televisions;
  • Computers;
  • Photographic equipment; or
  • Jewellery.

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Specified items cover

Contents insurance

Specified items include:

  • Personal belongings and high risk items that are named and worth over £3,000, inside and/or outside the home; and
  • Accidental damage.

Read more about Specified items cover on page 39 of the policy booklet (PDF).

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Legal expenses cover

This covers legal costs and expenses for insured incidents. This includes:

  • Employment and contract disputes;
  • Personal injury cases;
  • Clinical negligence; and
  • Jury service and civil cases relating to your personal possessions.

Read more about Legal expenses cover on page 46 of the policy booklet (PDF).

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Help and guidance

We have some useful hints tips to keep your protecting your home and your belongings, plus useful advice for emergencies. You can also view our home insurance frequently asked questions.