Lloyd's Market Association Bulletin

LMA23-001-LA | 19 January 2023

Publication of 2023 UK Home Insurance Policy

The LMA's UK Household & Commercial Property Committee has produced an updated model UK Home Insurance Policy (named perils) for use on UK risks. The LMA has also produced an "all risks" version and both are available in interactive PDF format as well as MS Word. Updated Insurance Product Information Documents (IPIDs) to accompany both versions have been published and the previous wording (LMA3127A) and IPID will be archived.

All LMA model clauses are purely illustrative and are published and distributed for the guidance of Lloyd’s managing agents, brokers and other market participants. All contracting parties are free to agree to different conditions/amend the model clauses as they see fit; the LMA does not protect its intellectual property rights over model clauses. It is for underwriters to decide whether or not any contractual language is acceptable on any given risk. The clauses are available on the Lloyd’s Wordings Repository (LWR). 

Model UK Home Insurance Policy (named perils) 
Interactive PDF version    |  MS Word version  

LMA3170 Insurance Product Information Document (named perils)

Model UK Home Insurance Policy (all risks)
Interactive PDF version   |  MS Word version  

LMA3171 Insurance Product Information Document (all risks)


Leigh Allen
Executive, Technical Underwriting