Buildings
Covers the structure of your home—including walls, roof, floors, and permanent fixtures—against insured events such as fire, storm, flood, and subsidence where included in your policy.
Protection
Home insurance
Protect your home and belongings with flexible buildings and contents cover, optional extras for added peace of mind, and a straightforward UK claims process.
Cover at a glance
Contents
Protects furniture, electronics, clothing, and personal belongings inside your home. Cover extends to items temporarily removed from the property within UK limits stated in your schedule.
Optional cover
Add accidental damage, legal expenses, bicycle cover away from home, or higher-value item limits. Select only the extras that reflect how you live—no unnecessary add-ons.
Claims
Report incidents online or by phone at any time. Track claim progress in your dashboard, upload photos and documents securely, and receive updates from a dedicated claims handler.
Before you buy
Home insurance is arranged through Lloyd Merchant Bank Insurance Services. Cover is subject to underwriting criteria, policy terms, and accurate information about your property and contents.
If you have a mortgage, your lender may require buildings insurance as a condition of the loan. We can help align your policy with those requirements and provide certificates of insurance on request.
Request a home insurance quote
Our team will review your property details and recommend cover levels suited to your home and budget.
Frequently asked questions
Buildings insurance is usually the landlord's responsibility. As a tenant, contents insurance protects your belongings against events such as fire, theft, and water damage. Always check your tenancy agreement for any insurance requirements.
Standard policies exclude wear and tear, deliberate damage, and certain high-risk activities. Flood cover in high-risk areas may require additional assessment. Your policy documents list all exclusions and limits in full.
Report claims through Internet Banking, the mobile app, or our 24-hour claims line. Have your policy number, incident date, and supporting evidence ready. We aim to acknowledge claims within one working day.
Yes. A combined policy is often simpler to manage and may qualify for a multi-cover discount if you also hold other Lloyd Merchant Bank products. You can still tailor sums insured and optional extras individually.
Related information
Get a home insurance quote
Tell us about your property and we will help you choose the right level of buildings, contents, and optional cover.