diff --git a/flutter_client/lib/api/client.dart b/flutter_client/lib/api/client.dart
index 6dee5465..dd6363fa 100644
--- a/flutter_client/lib/api/client.dart
+++ b/flutter_client/lib/api/client.dart
@@ -1,15 +1,20 @@
 import 'package:dio/dio.dart';
 
 typedef TokenResolver = Future<String?> Function();
+typedef OnUnauthenticated = Future<void> Function();
 
 class ApiClient {
   /// Builds a dio instance pinned to [baseUrl] with a Bearer-auth
   /// interceptor that pulls the current token from [tokenResolver]
   /// on every request. Server already supports cookie OR bearer
   /// (internal/auth/session.go); we use bearer to skip cookie-jar.
+  ///
+  /// [on401] fires when any response comes back 401. Use it to clear
+  /// stored credentials so the router redirect can route back to login.
   static Dio buildDio({
     required String baseUrl,
     required TokenResolver tokenResolver,
+    OnUnauthenticated? on401,
   }) {
     final d = Dio(BaseOptions(
       baseUrl: baseUrl,
@@ -18,13 +23,19 @@ class ApiClient {
       contentType: Headers.jsonContentType,
       responseType: ResponseType.json,
     ));
-    d.interceptors.add(InterceptorsWrapper(onRequest: (opts, handler) async {
-      final t = await tokenResolver();
-      if (t != null && t.isNotEmpty) {
-        opts.headers['Authorization'] = 'Bearer $t';
-      }
-      handler.next(opts);
-    }));
+    d.interceptors.add(InterceptorsWrapper(
+      onRequest: (opts, h) async {
+        final t = await tokenResolver();
+        if (t != null && t.isNotEmpty) opts.headers['Authorization'] = 'Bearer $t';
+        h.next(opts);
+      },
+      onError: (e, h) async {
+        if (e.response?.statusCode == 401 && on401 != null) {
+          await on401();
+        }
+        h.next(e);
+      },
+    ));
     return d;
   }
 }
diff --git a/flutter_client/lib/library/home_screen.dart b/flutter_client/lib/library/home_screen.dart
index 069b8ed7..b01fd579 100644
--- a/flutter_client/lib/library/home_screen.dart
+++ b/flutter_client/lib/library/home_screen.dart
@@ -1,11 +1,14 @@
+import 'package:dio/dio.dart';
 import 'package:flutter/material.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 import 'package:go_router/go_router.dart';
 
+import '../api/errors.dart';
 import '../models/album.dart';
 import '../models/artist.dart';
 import '../models/track.dart';
 import '../player/player_provider.dart';
+import '../shared/widgets/connection_error_banner.dart';
 import '../theme/theme_extension.dart';
 import 'library_providers.dart';
 import 'widgets/album_card.dart';
@@ -23,7 +26,15 @@ class HomeScreen extends ConsumerWidget {
       backgroundColor: fs.obsidian,
       body: SafeArea(
         child: ref.watch(homeProvider).when(
-              error: (e, _) => Center(child: Text('$e', style: TextStyle(color: fs.error))),
+              error: (e, _) {
+                final code = e is DioException ? ApiError.fromDio(e).code : 'unknown';
+                if (code == 'connection_refused') {
+                  return ConnectionErrorBanner(
+                    onRetry: () => ref.refresh(homeProvider),
+                  );
+                }
+                return Center(child: Text('$e', style: TextStyle(color: fs.error)));
+              },
               loading: () => const Center(child: CircularProgressIndicator()),
               data: (h) => RefreshIndicator(
                 onRefresh: () async => ref.refresh(homeProvider.future),
diff --git a/flutter_client/lib/library/library_providers.dart b/flutter_client/lib/library/library_providers.dart
index d47707f5..5152171a 100644
--- a/flutter_client/lib/library/library_providers.dart
+++ b/flutter_client/lib/library/library_providers.dart
@@ -25,6 +25,7 @@ final dioProvider = FutureProvider<Dio>((ref) async {
   return ApiClient.buildDio(
     baseUrl: url,
     tokenResolver: () async => storage.read(key: 'session_token'),
+    on401: () async => ref.read(authControllerProvider.notifier).clearSession(),
   );
 });
 
diff --git a/flutter_client/lib/shared/widgets/connection_error_banner.dart b/flutter_client/lib/shared/widgets/connection_error_banner.dart
new file mode 100644
index 00000000..57e62961
--- /dev/null
+++ b/flutter_client/lib/shared/widgets/connection_error_banner.dart
@@ -0,0 +1,31 @@
+import 'package:flutter/material.dart';
+import 'package:go_router/go_router.dart';
+
+import '../../theme/theme_extension.dart';
+
+class ConnectionErrorBanner extends StatelessWidget {
+  const ConnectionErrorBanner({required this.onRetry, super.key});
+  final VoidCallback onRetry;
+
+  @override
+  Widget build(BuildContext context) {
+    final fs = Theme.of(context).extension<FabledSwordTheme>()!;
+    return Container(
+      color: fs.iron,
+      padding: const EdgeInsets.all(12),
+      child: Row(children: [
+        Expanded(
+          child: Text(
+            "Couldn't reach the server.",
+            style: TextStyle(color: fs.parchment),
+          ),
+        ),
+        TextButton(onPressed: onRetry, child: const Text('Retry')),
+        TextButton(
+          onPressed: () => context.go('/server-url'),
+          child: const Text('Change URL'),
+        ),
+      ]),
+    );
+  }
+}