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Lloyds Bank: Home insurance reviews

Name: Home insurance
Rating: 2.25 (118 reviews)

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2.25

Based on 118 reviews, last reviewed 20th Aug 2026

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

23%

12%

61%

Latest highest rating:

4

I’m very glad that Lloyds have been positive about T... I’m very glad that Lloyds have been positive about Trans Rights. Reviewed on: 22nd April 2025

Latest lowest rating:

2

Help is not on the menu! Recently had asked for help with some household damage and they did nothing to help me. Reviewed on: 20th August 2026

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About this product

Lloyds Bank offer three levels of home insurance.

The Bronze policy is the most basic cover, Silver and Gold policies include accidental damage cover. Legal expenses cover is also included as standard in the Silver and Gold policies. Home emergency cover is an optional upgrade on all three policies.

Lloyds Bank home insurance reviews help you find out what it’s really like to be a customer. If you’ve used Lloyds Bank before, you can also leave a review and share your experience.

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Lloyds Bank Home insurance reviews (118)

Help is not on the menu!

Recently had asked for help with some household damage and they did nothing to help me. Reviewed on: 20th August 2026

You can't even make a claim because they say your po...

You can't even make a claim because they say your policy doesn't exist, yet i'm getting charged every month. I never received the policy booklet. The person on the phone says i answered security questions incorrectly, then can't tell me which i didn't answer. Tried every possible combination on their website, doesn't work. The absolute worst, most infuriating experience I've ever had. Nobody should pay for this. Reviewed on: 13th March 2026

Horrendous experience to date.

Horrendous experience to date. Two and a half years of complaints and financial ombudsman involvement, all thanks to the loss adjuster making erroneous decisions. All of my compliance been upheld and I can only hope that this nightmare ends soon. Reviewed on: 5th January 2026

Appalling service from day one!

Absolutely appalling service from the get go, from rude staff to claims consultants that call you a liar and tell you that incidents did not happen. To ignoring reports of damage, health hazards and then be left for months before anyone makes a visit. Incompetent and inept staff and contractors damaging home. Causing disruption and disarray for 8 months with no end in sight. When you make a complaint it goes to claims consultant. When they are part of complaint. No resolution whatsoever, still going on with no reason given for delay, poor workmanship, damage to home. Where are the managers? This company needs exposing. Reviewed on: 27th October 2025

Avoid Lloyds home insurance like the plague

We had a house fire in 2021, and the buildings insurance was with Lloyds. They were absolutely terrible from every conceivable aspect. Appalling customer service, appalling communication, refusing to properly answer our queries, making us fight every inch of the way to secure payments we were rightfully entitled to - and mostly received, but not after enormous stress and angst. Reviewed on: 29th August 2025

Phoned today to speak to someone about a water leak...

Phoned today to speak to someone about a water leak at my property after a very long call at last spoke to a human only to be asked if it was life or death if not go online and claim he promised to send a txt and never did after going online to put our claim in only to receive a email to say we don’t qualify they are so keen to take your money but when you you want something back the answer is mostly no so many loopholes we haven’t claimed for anything for years but will be changing our insurance asap buildings and contents Reviewed on: 1st August 2025

I’m very glad that Lloyds have been positive about T...

I’m very glad that Lloyds have been positive about Trans Rights. Reviewed on: 22nd April 2025

Poor customer service, avoid Lloyds

Our home insurance with Lloyds increased by over £100 despite having had over 30 years of no claims. I called the number on the letter and after some time I finally got through to an adviser. I confirmed I had wifi when queried. The adviser then stated that he couldn't speak to me since extreme weather conditions meant that they can only speak to the most vulnerable. I asked what extreme weather in the UK? Who is defined as 'vulnerable'. This was a call centre for insurance not A&E or the medical services and when I told him that as far as I am aware there is no law excluding him from speaking to me just because I had wifi especially when their own advised me to call. He finally conceded he could speak to me when I asked to raise a complaint. He was then rude to me so I raised his attitude. I asked that a complaint was lodged and requested for a complaints number. He stated that he has raised a complain but refused to give me a complaints num. I don't believe a complaint has been made on my behalf. Reviewed on: 8th November 2024

Do insurers take old customers for granted?

Lloyds' home insurance quote proved to be very competitive and was easily put into practice (perhaps because I have insured my car with them before?) Their quote was almost half that of my old insurer (Aviva). Perhaps if you stay with the same insurers instead of shopping around, they begin to take you for granted and up the premiums in the hope you won't bother to move? In fact this happened with Lloyds, who recently increased my car insurance, obliging me to switch to Admiral. Reviewed on: 5th September 2024

Home insurance

Got insurance a few years ago. Went in to Lloyds and the guy was clear with everything and made sure everything was covered. Since then we've had lots of communication via letters to show us what our cost is and where it will go to. Reviewed on: 24th August 2024

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