Home Insurance

Home Insurance isn't just about protecting your possessions; it's about protecting the home you love.  Our Home Options insurance policy is designed to make sure you're confident your home is protected. With a comprehensive range of insurance benefits, we consider the things that matter to you most.

With Home Options from Lloyds TSB, you can look forward to a range of insurance benefits. We offer:

• 15% discount when you buy Home Options cover online,
• A generous no claims discount of up to 35%,
• £25 to cover your mortgage provider's fees if you're charged for switching your buildings insurance to Home Options,
• 0% interest when you pay monthly,
• Up to £500 of insurance cover for personal cash and credit cards in your home,
• Full new for old contents insurance cover,
• At each renewal we compare quotes from our panel of leading home insurers to bring you the most competitve quote.

• Up to £7,500 for any single high risk item,
• Automatic 10% contents increase during Christmas, up to £3,000,
• Visitors' belongings covered up to £250,
• Accidental damage to TV, audio, video, PC equipment and professionally installed satellite equipment fixed to your home,
• Accidental breakage of mirrors and fixed glass within furniture,
• Personal cash and credit cards stolen from your home up to £500,
• Keys to external doors, safes and alarms in your home.

Home buildings insurance automatically covers:

• Any necessary costs for architects’ and surveyors’ fees following damage to the buildings by an insured event,
• Alternative accommodation costs and/or loss of rent up to 20% of your buildings insurance, if your home is made inhabitable by an insured event,
• Accidental breakage of ceramic hobs, sanitary ware and fixed glass in your home.

Ready to apply?
Get a Home Insurance Quote online  

Or, if you've already requested a home insurance quote,
Retrieve your Home Insurance Quote  

Alternatively, call us on 0800 056 3040 to speak to one of our home insurance advisors - our Home Options cover could be the right policy for you and your home.

• The contents of your home are covered against loss or damage, flooding, fires, earthquakes and vandalism,
• Personal cash and credit cards stolen from your home up to £500,
• Your contents are insured outside your home up to a value of £1000 (this must be within your homes boundary),
• Accidental damage to TV, audio, video, PC equipment and professionally installed satellite equipment fixed to your home,
• Accidental breakage of mirrors, fixed glass in furniture and ceramic hobs.

For more details view the Home Insurance Policy Documents.

Get a Contents Insurance Quote online   
or call us on 0800 056 3040.

• Your home together with its permanent fixtures and fittings is covered against loss or damage, flooding, fires, earthquakes and vandalism,
• Alternative accommodation costs and/or loss of rent up to 20% of your buildings insurance, if your home is made inhabitable by an insured event,
• Any necessary costs for architects’ and surveyors’ fees following damage to the buildings by an insured event.

For more details view the Home Insurance Policy Documents.

Get a Buildings Insurance Quote online   
or call us on 0800 056 3040.

Full accidental damage cover

You may take out additional cover which safeguards you against accidental damage, for instance accidental spillages on carpets or furniture.
For more details call us on 0800 056 3040.

Pedal cycles outside of the home

For an additional premium we can insure your pedal cycle outside of your home and even abroad.
For more details call us on 0800 056 3040.

Personal possessions outside of the home

For an additional premium we can insure personal possessions such as: a camera, jewellery and money against loss or theft outside of the home.
For more details call us on 0800 056 3040.

Get a Home Insurance Quote online  
Retrieve your Home Insurance Quote  

To help you, we have put together some of the most common questions we are asked. If you have any specific questions about your current Home Options policy, or if you just want a bit more detail about our products you can also try our Online Assistant. 

Q. What type of cover do you provide?

Buildings Cover
Buildings Insurance covers the building itself, together with permanent fixtures and fittings.

Contents Cover
Contents Insurance covers the items within your home: household goods and personal items which are owned by your family.

Accidental Damage Option for Buildings or Contents Insurance
Extended accidental damage cover is available as a separate option with both our buildings and our contents insurance. If you would like it for either or both, please tick the Accidental Damage box in the buildings column, contents column or both (as required) on the quotation screen. For buildings insurance, accidental damage covers unexpected and unintended damage to your building caused by sudden and external means. For example, accidental damage cover would allow you to claim if you accidentally put a foot through the ceiling whilst walking through the loft. There are certain limits and exclusions.

Q. What is policy excess?
A. Policy excess is the part of a claim that you agree to pay - we cover you for the remaining amount. For more information on this try our Online Assistant.

Q. Is immediate cover available?
A. If you buy your policy online or over the phone immediate cover is available.

Q. How do I make a claim?
A. If you are unfortunate enough to suffer loss or damage to your home, you should report the incident as soon as reasonably possible. You can make a claim by phoning the insurer's claim number shown on your schedule. The claims number can also be found in our Home Options Existing Customers section.

Q. How do I know if I’m covered?
A. Home Options claims advisors are fully trained and have an excellent knowledge of the policy cover you have arranged. Wherever possible, we will let you know during your first call whether your claim is covered by your policy.
It may help you to read through the policy document along with your schedule of cover before ringing to report your claim. If you require further help then please call on 0800 056 3811 or write to:

Lloyds TSB Insurance
PO Box1504
80 Holdenhurst Road
BOURNEMOUTH
BH8 8YG

Getting a home options insurance quote is simple. Fill in your personal details with our straight-forward questionnaire and receive your quote instantly.

Don’t forget you will receive a 15% discount for buying online.

The quote and application process will pop-up in a new window.

Get a Home Insurance Quote online  
Retrieve your Home Insurance Quote  

What will I need?

• The address for the property you wish to insure,
• The date when your current insurance runs out,
• The approximate year the property was built,
• Details of your home insurance claims history.

Getting help

If you need more detail on our insurance products then try our Online Assistant.

Apply by phone

To apply for a Lloyds TSB Home Options Insurance quote or to ask a question about our insurance policies call us on 0800 056 3040.