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Lloyds Bank: Home insurance reviews

Name: Home insurance
Rating: 2.31 (118 reviews)

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2.31

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)

Thank you for accepting me

I have a criminal conviction as a result of my rescue dog nipping a member of the public. It is nearly impossible to get home insurance because of this (I had no idea about this before it happened to me) and I have been made to feel very isolated and marginalised as a result. Lloyds are the only major company that would even quote me and, although the price is eye-wateringly high, it is cover with a major insurer so it is peace of mind. Thank you Lloyds for being there when no-one else was. Reviewed on: 19th August 2022

Awful home insurance AVOID

They make any excuse not to pay out for the service you have paid for!!!! Please please go somewhere else. Its nothing but hassle trying to get a claim processed. Been with them for 18 months and the first time I tried to claim is so much hassle I've given up and cut my losses! Reviewed on: 15th August 2022

Insurance claim for vandalised wall 9 months ongoing

I have to say Lloyds is potentially the worst insurance company I’ve ever dealt with. Logged a claim almost 9 months ago and three contractors later and we still can’t get anyone to commit to the repair. It’s a standard garden wall 3 ft high. Lloyds have washed their hands despite having an open complaint and the latest contractor has told us to get our own materials despite quoting 10k for the works. Had to send this to the ombudsman now as we are at our wits end on how to get this resolved. We are in the process of cancelling our remaining insurance term with them as what’s the point in having insurance if it takes this long to rectify. It’s just so upsetting. Reviewed on: 11th August 2022

Great insurance

Not only do they give 40% off to members but to everyone for home insurance! Great cover too Reviewed on: 6th July 2022

Worst bank ever. NO help lines or any other form of support

It's impossible to get any help or support, If you do decide to open an account with them you're on your own as trying to get to any help lines is literally hours of waiting and still you're not sure if they will help you. Reviewed on: 9th May 2022

WORST HOME INSURANCE! DO NOT BUY, STAY WELL AWAY!

WORST HOME INSURANCE! DO NOT BUY, STAY WELL AWAY! I'm not one to write reviews but I was left with no option and wouldn't want someone else to be scammed by Lloyds like I was. I purchased Lloyds Premier Home Insurance, the top insurance they have to ensure I was fully covered. Earlier this year we had a leak in our bathroom at home, which ruined the bathroom, floor boards, downstairs ceiling and part of the downstairs wall. I contacted Lloyds, they sent a surveyor round who spent all of 10 minutes in my house. I then received a phone call to advise that I wasn't covered because the leak had come from a seal/grout. So effectively it's pointless having this home insurance as they don't cover bathroom leaks unless someone bombs your house. It cost be over £3,000 to put right and Lloyds didn't put a penny towards it, so not only have they lost a home insurance customer they have also lost me as a personal account holder and business account holder. Please don't make the mistake I did, get your insurance from another provider. Reviewed on: 4th May 2022

Home Emergency is a Joke.

Got Lloyds insurance with Home emergency for peace of mind. I'm pretty low risk as I haven't made a claim for about ten years. Yesterday had water coming through the ceiling. Didn't know where the leak was. Rang home emergency. They said I had to ring buildings insurance who would send someone out to find where the leak was coming from - and then home emergency would pay for the fix. .Rang Buildings insurance and they said this was. wrong - they don't do that. You have to get someone out yourself to find out where the leak is. Then when your own tradesperson has found it and made it possible to get access they will send someone out to fix it. So basically you are on your own and you don't have the peace of mind you think you have paid for. The idea of having to find your own plumber in an emergency and persuading them to come out straight away - over an Easter weekend - to find out where the leak is, and then tell them not to fix it because you then have to get back to your insurance company it is ridiculous... Meanwhile your water stays turned off. Spoke to a relative who had a similar experience of unknown water leak and their home emergency insurance sorted it no bother - they sent someone out to find the leak and fix it, which is what any normal person would expect to happen. This was a very stressful experience in an emergency and not what I paid for. Won't be renewing. In fact thinking about cancelling my bank account with them that I've had for forty years. Reviewed on: 15th April 2022

Home Insurance Claim

Insured with Lloyds for 16 years. First claim rejected as they have tried everything for two years not to pay for damage to my patio caused by water from a neighbour and finally said they needed a picture of the patio before the damage!!!! Do not go near this company, usual insurance company told my wife that we had a policy that covered everything (don't believe a word they tell you). N.McGinley Reviewed on: 8th February 2022

Quick and Easy

We had recently moved and required new home and contents insurance, Lloyds offered a well rounded package and very affordable prices. It was also quick and easy to apply for which was very helpful. Reviewed on: 12th January 2022

Corporate greed

Made a claim and was accused of lying. They were nasty, vicious , truly incompetent and should be ashamed of the themselves. They used to be so reputable. Not now. They can come up with 100 different ways to say NO even when you have a strong case. You will lose the will to live. Reviewed on: 23rd December 2021

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