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Lloyds Bank: Home insurance reviews

Name: Home insurance
Rating: 2.36 (115 reviews)

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2.21

Based on 115 reviews, last reviewed 27th Oct 2025

No new 5 star reviews

in the past 90 days

50% 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:

1

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. T... Read more Reviewed on: 27th October 2025

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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 (115)

Double charging

I have been a Lloyds customer for many years, originally with a combined buildings and contents home insurance policy, I suddenly realised that I had been paying two direct debits, one for buildings and a seperate one for contents, I was horrified, as I have never requested seperate cover, also both policies had been increased by £50.00 last year and I have never made a claim I have now cancelled my policies, DO NOT trust these people !!! Reviewed on: 5th November 2020

Rip Off Thieves

I Would Recommend No Buddie Buys Insurance From Lloyds. They Take Your Money Up Front And After You Sign The Policy They Will Stat Sending You Amendments To The Policy. Then When You Have A Claim The Don't Pay The Claim. American Citizens Need To Wake Up. Stop Buying Insurance These Companies Are All Rip Offs. Legalized Theft Reviewed on: 26th August 2020

Poor Buildings insurance cover

Have been paying them for about 9 years for buildings insurance. Never made a claim and paid about £700 per year. We have a recent water ingress coming in on the side wall bubbling up the paint and plaster and also entering the downstairs cloakroom. They tell us it cannot be claimed unless wind was above 50mph. How would I know that? How would they know that? This is exactly what you need buildings insurance for I said and after a lot of discussion they said they would send a surveyor BUT they are unlikely to say that it is a valid claim and I would have my record marked as having made a claim, even if I do not and cannot claim! What a joke! I could not believe it. The only time I try to make a claim I cannot and I will be marked that I have regardless. Needless to say I will not be renewing and I urge you to be careful when considering what I thought was a reputable company. Terrible company. Reviewed on: 24th August 2020

Avoid Lloyds at all costs!

Had to chase and chase for a response. Customer service appalling. My laptop was completely broken after a coffee spillage and they asked me to send them the laptop plus passwords!!!!! As I was unwilling to compromise all my personal data, I could not proceed with the claim!! As loyal customer for many years and zero claims.... I will never use again Reviewed on: 30th June 2020

Lloyds Home Insurance

Beware the data portals they use for' like for like 'comparison on replacing damaged household electrical items are often one already old and delted items or they use poor quality branded products that do not sell in high streets only from cheap warehouses. In this way the can say they found an item with the same spec but it is always the lowest quality and not a brand you ever heard of. It is a practice that you would expect from a Del Boy -not a major bank Reviewed on: 23rd May 2020

Would give Lloyds Bank Insurance O/5 if I could

Worst experience ever had in my life when using a named brand. They were not the cheapest but I was sold on the branded name. I had to make a legitimate claim and they did their absolute best not to pay even though we were covered in our policy. They refused to pay and we had to take it to the Ombudsman who agreed with us and even then Lloyds still refsued to pay. We had to take LLoyds to a small claims court and they settled at the very last minute. The whole process took 1 year to resolve. Having never made a claim in 12 years of having house insurance, we were staggered with how we were treated. It gave us so much stress and anxiety but having spoken to others, this is not how a typical insurance company treats their customers. It's just Lloyds Bank!!! NEVER EVER use them. They cannot be relied upon if and when you need them. Reviewed on: 14th April 2020

Homeowners Insurance NIGHTMARE!!! I wouldn't even recommand for the family of cockroaches that live in the walls

I had EXTREMELY slow response and still waiting for a response. I know someone who had a house fire 33 days ago and living in New York while this Corona virus is going on, she had to wait 4 days for a call back to be given her claim number while she had herself, 4 kids, her elderly mother, handicapped uncle and two pets were forced to find a hotel so they wouldn't live on the streets or in her vehicle. She had to pay (still is) for the hotel the first for everyone to be in the same room for now 32 days. She didnt receive her 1st 2 checks for an advance and contents until 20 days later each of those two checks being $5K each. How is anyone a family of 7 supposed to have a roof over their head (in 1 hotel room), food, clothing, bare necessities, gas for the vehicle, credit card bill that she was being charged for the hotel, pay for medications and that $10k is supposed to help. Those first 30 days at the hotel came to a total of $7500, paid her credit card bill down so it wouldnt be maxed out and the next week of living could be charged to her CC. The remaining payout on her policy so her contractors would start the work has been in their underwriting department for over two weeks. And the agent when she called my friend with the "good news" that those two checks were supposedly going to be overnighted my friend asked her when the checks would be here stated : " I don't know, I don't work for Fed-Ex. Real nice compassion by this disgusting company. Reviewed on: 11th April 2020

Con artists

Never trust this brand. Home insurance claim has been going on for 18 months and counting and they just don't care. Handed me to a loss adjusters who do not even call me back. My local builder and neighbours are helping me out as my home is no uninhabitable and they just do not seem interested. I have gone to the ombudsman who have said i am entitle to have my home back to pre-loss condition. Still not interested and there is only so much the ombudsman can do apparently! Do not touch this company! Reviewed on: 2nd March 2020

lloyds insurance

I picked lloyds insurance after i used a comparison app, where this bank was the best price, and offered all the requirements i was looking for. friendly, helful and offers competitive products with great service. Reviewed on: 8th February 2020

Absolute shambles

I have had no heating or hot water for 9nights now, thanks to blunders by Lloyds staff. Wrong parts for boiler ordered, waiting for authorization, etc , now into 9th night without heating. I am 68yrsold, and on medication , this is not being easy for me. Situation is ongoing. Reviewed on: 29th November 2019

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