Home Insurance - Options

As well as the usual things covered like theft, fire, flood and earthquakes, our buildings insurance gives you a range of  benefits as standard.

These include:

• Alternative accommodation costs of up to 20% of the sum insured if your home is made uninhabitable.
• Architects’ and surveyors’ fees if the building is damaged by something you’re insured for.
• Escape of water from, or the freezing of, fixed domestic water installations, or escape of oil from fixed domestic oil heating installations.
• You’ll get the best online price returned from our panel of leading insurers.

You get a range of benefits as standard with our Home Options Contents Insurance, as well as cover for the usual things like theft, fire, flood and earthquakes.

Extra benefits include:

• Automatic cover increase at religious festivals and weddings (Up to a 10% increase, to a maximum of £3,000).
• Up to £7,500 for any single high-risk item.
• Accidental damage cover for computers, TVs, video and audio installations.
• You'll get the best online price returned from our panel of leading insurers.

For complete peace of mind, it’s easy to add optional extras, at additional cost, to your contents insurance so you’re covered for things like accidents and taking your valuables outside your home.

Home Emergency Cover can help set your mind at rest by covering the cost of emergency repairs. It covers things like electricity failure and damage to locks and windows.

This insurance is underwritten by Royal & Sun Alliance Insurance plc.

Getting a quote is simple.

You’ll need to have these things to hand:

• Address of the property you want to insure
• Date when your current insurance runs out
• Approximate year the property was built
• Details of your home insurance claims history

• This offer is only available if you take out a new Lloyds TSB Home Options combined buildings and contents policy as a direct result of a quotation obtained from 5th February 2013. Both the policy and quotation must be obtained via Lloyds TSB Internet Banking, which can be accessed through www.lloydstsb.com.

• You must hold your combined policy for 80 days.

• Only one £60 cashback is payable per household.

• The cashback will be paid within 90 days of the start date of your combined policy.  If your premium is paid by Direct Debit, we will credit the account from which your payments are made.  If you pay by any other method, we will send you a cheque made payable to the first named policyholder.

• This offer cannot be used in conjunction with any other offer or promotion.

• We may withdraw this offer at any time, but will pay the cashback for eligible policies taken out as a direct result of a quotation obtained before the withdrawal.

• Please keep a copy of these conditions for future reference.

• Lloyds TSB Home Options insurance is arranged by Lloyds TSB Insurance Services Limited (Company No 968406), registered in England and Wales, 25 Gresham Street, London EC2V 7HN. Authorised and regulated by the Financial Services Authority.