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Lloyds Bank: Home insurance reviews

Name: Home insurance
Rating: 2.37 (114 reviews)

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2.22

Based on 114 reviews, last reviewed 29th Aug 2025

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

24%

12%

60%

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

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 cust... Read more Reviewed on: 29th August 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 (114)

RUBBISH

Had water coming through my roof. They sent a surveyor out who completely misdiagnosed the problem. Water continued to leak , they then stated that they couldn't do anything because there wasn't storm damage. The roof was damaged by my neighbours and I'm still waiting over four months for a legal claim to go through on the legal side of the insurance. AVOID LLOYDS INSURANCE. MORE HEADACHE THAN THEY ARE WORTH Reviewed on: 22nd September 2018

Always Happy To Help

They've always been really helpful whenever I've contacted them Reviewed on: 18th August 2018

Home insurance

After shopping around I got a really competitive quote to renew my home insurance with Lloyd’s. As a Lloyd’s bank customer I’m confident I’ll get the same great customer service from insurance services Reviewed on: 24th July 2018

water damage claim

Terrible service...trying to wriggle out of a claim. Want to use their own contractors but they have not visited and seen the damage...only the assessor who is not qualified and also very keen to not answer emails. Basically go elsewhere...do not use them. Still no repairs to the damage after nearly 5 weeks. Unacceptable. I would rather give a 0 rating...poor everything... Reviewed on: 3rd April 2018

Freezer Claim

Appalling Customer Claim Service! Tried to claim for my freezer & Contents after I’d lost everything, never made a claim before & was Shocked at Lloyds Agent when I tried to claim... Got told to pull the food out of wheelie Bin & photograph it! Then said I’d need to contact Sainsbury’s etc to get copies of my food shopping receipts to prove purchases, Lloyds Agents whole manner in speaking to me was as if I was lying & trying to rob them!! When I asked if my claim would effect my policy as I thought I was protected, I was given a load of waffle about not having the policy for 6yrs + so my claims bonus wasn’t protected, Basically Told if I Claim they’ll just raise my monthly policy costs to get it all back! Left with Nothing & Feeling it was pointless paying for this Contents Ins with Lloyds every month if it’s not going to Help when you need it? Personally Don’t Waste Your Money. I’m Now Looking Elsewhere for a Trustworthy Company Reviewed on: 16th March 2018

Paid for insurance not fit for purpose

Tried to cancel home insurance and home emergency cover with no cancellation charges so I could go elsewhere Not possible ??? Engineer did not turn up when my heating packed up no phone call no contact at all still not sorted a week later unable to get in touch with service provider Loss confidence so wanted to cancell both policies sold by Lloyds Reviewed on: 5th March 2018

Abysmal, No idea what they are doing.

Trying to deal with Lloyds, and they are abysmal. They told me I should have read my policy prior to making my claim, they clearly did not check my notes the day before when I called them to query why I still had not had a copy of my policy. They very much treat you like a criminal, virtually suggesting that are trying to defraud them. The irony is, in 15 years of having car insurance and home insurance, I've never ever claimed off any insurance policy. I took photos to show them, and called them immediately to report the incident. If they looked at their own records they would see I was insured with them the prior year and never claimed either. They told me I want to claim for too many damaged items, but they haven't even got the claim list - as I told them I would have to ring them with it. Reviewed on: 25th January 2018

claim

been pretty smooth making first claim Reviewed on: 6th November 2017

So much for loyalty, renewal is 4 times higher then new quote from them!!!!

My wife has been renewing the home insurance with Lloyds but now I'm retired I checked their renewal quote and found it is 4 times more expensive then a new quote from them, and that was twice as expensive as competitors. Really feel abused !!!! Reviewed on: 2nd November 2017

Great cover

When I had to make a claim for a smashed glass door it was sorted out & replaced very quickly. Reviewed on: 2nd October 2017

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