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Contents insurance
Bank on Lloyds for home insurance
As the Halifax brand is changing to Lloyds, Halifax no longer offers new home insurance quotes.
If you're looking for home insurance, explore Lloyds to find the cover that's right for you.
Existing policies are not affected by the brand change.
What does contents insurance cover?
Contents insurance covers things inside your home against theft and damage by events like fires, storms and flooding.
This includes:
- Any high value items worth more than £2,000 each named on your policy. You can choose to cover these in and away from the home.
- Things in your outbuilding up to £5,000.
- Up to £500 for damage to frozen food.
There’s also up to £25,000 cover for the extra cost of staying elsewhere because of a claim.
Selecting the right level of cover
The level of cover you need will be individual to you. It will depend on things like how much your belongings are worth, and if you want cover for accidental damage. You'll need to make sure you have enough cover for all your contents. Compare what's included with our Bronze, Silver and Gold cover to help you pick which one is best for you.
Keep in mind that these are not the only limits that will apply. Please see your policy documents for full details. Terms, limits and exclusions apply to all levels of cover.
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Bronze
Silver
Gold
Contents limit up to
Bronze
£50,000
Silver
£100,000
Gold
£250,000
-
Bronze
Silver
Gold
Bronze
Not available
Silver
Included, up to £100,000
Gold
Included, up to £250,000
-
Bronze
Silver
Gold
Bronze
Not available
Silver
Included, up to £50,000
Gold
Included, up to £50,000
-
Bronze
Silver
Gold
Bronze
Optional extra, from £1,000 to £25,000
Silver
Optional extra, from £1,000 to £25,000
Gold
Optional extra, from £1,000 to £25,000
Including money
Bronze
Up to £500
Silver
Up to £500
Gold
Up to £500
-
Bronze
Silver
Gold
Bronze
Optional extra, up to £1,000
Silver
Optional extra, up to £1,000
Gold
Optional extra, up to £1,000
How much excess would I need to pay?
Your excess is the amount you’ll pay towards most types of claim. You can select your own excess between £100 and £500. A higher excess means your cover will cost less, but you’ll have to pay more towards a claim.
With Bronze and Silver cover, there's a different excess for leaking water claims.
-
Bronze
Silver
Gold
Bronze
Your standard excess
Silver
Choose between £100 and £500
Gold
Choose between £100 and £500
Choose between £100 and £500
-
Bronze
Silver
Gold
Bronze
Leaking Water excess
Silver
£500
Gold
£500
Your standard excess
Let’s take a closer look
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Yes, you’ll need contents insurance if you’re a tenant, unless provided by your landlord. This will cover the things that you own in your home. You don't need buildings insurance as your landlord should cover this.
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If it’s covered, you can claim for something that happens after the start date of your policy. You can make a claim online or over the phone. You’ll need to tell us.
- How your things have been damaged, destroyed or stolen
- The value of these items
- When it happened
You may need to provide proof of the value and specification of any items that you’re claiming for.
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Your contents cover does include kitchen appliances that are free-standing and you own, such as washing machines.
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Yes, if a fire damages the things in your home, you’ll be covered. It doesn't cover damage to the property itself.
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Contents insurance usually covers carpets you own. For example, a flood ruins it.
You need to select Silver or Gold level of cover to cover your carpet for accidental damage. If you have this cover and you accidentally damage it, we will cover the cost of cleaning or replacing it.
To tell you more about what is and isn’t covered, look at our policy booklet. Keep in mind that with all of our cover levels, there are limits, terms and exclusions. Read the policy documents (PDF 508KB).
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