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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)

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

Appalling

Four years of premiums without one claim. Refused to cover damage to roof of property despite admitting there were 'storm conditions' in the area at the time. Will be shopping for another provider. Avoid. Reviewed on: 13th September 2017

Awful service, VERY restrictive policy.

*****DO NOT USE THIS COMPANY. *****Awful constomer service, complaints department is an absolute joke. Policy is EXTREMELY restrictive and covers pretty much nothing. Reviewed on: 8th September 2017

Horrendous Service (Home Insurance)

Having been with lloyds for 21 years for home insurance and paying £85 per month I was horrified to be told that I'd need to pay £1000 excess for cracked internal wall. Let me tell you this was advised by advisor on the phone and he asked did I know how and when the crack appeared, did I know a structural engineer! Seriously! He told me to contact a builder get a quote then they'd decide if I would be covered. Did as they requested only to be told the crack in my wall did not cover me,with no good reason given to why I was not covered. Frustrated by the situation I contacted there complaints team and I'm still not really any further forward, I've now contacted the financial ombudsman and will await there outcome. AVOID THIS COMPANY! Reviewed on: 3rd September 2017

Cheap cover, but lousy big claim response

My elderly and disabled mum's home was severely damaged by a fire started by a negligent workman working at a neighbouring property. Lloyds loss assessor was charming and effusively reassuring at first but utterly appalling to deal with. Despite the fact that Lloyds are reclaiming the settlement from next door's insurers, he quibbled and fought on every bit of expense. Next door's settlement (mirror image semi) was £260k. Mum's home, which also needed back-to-brick repair & refurb throughout, he fought to keep down to well under 100k. She ended up having to shell out thousands from her own pocket. He wouldn't approve anything that he felt wasn't 100% down to the extensive smoke and water damage to the property, added several months' delay to works being completed by insisting on needless third party tests (that confirmed our own workmens' finding), curtailed the time they were prepared to pay for alternative accommodation, and in short showed no shred of practical sympathy, understanding or flexibility to meet the needs of a very vulnerable, elderly & disabled client. I wouldn't call him a heartless bastard. Given enough time I'm sure I could come up with a complimentary description - just can't think of one offhand. Won't touch Lloyds again. Reviewed on: 24th July 2017

Value for money

I shop around to find a good deal for the amount of cover that best suits us, so far, Lloyds bank is the best for us. Reviewed on: 22nd July 2017

Great service!!

Our boiler actually broke yesterday and was amazed when we called up Lloyds, they got someone out the same day to fix it. Called back when they said they would, perfect service!! We have two young children so really pleased our hot water was back within a day! Reviewed on: 15th July 2017

Insures I Pay Less

In conjunction with my mortgage review I obtained a new home and contents policy with Lloyds about 2 years ago and make an annual saving of around £900 per year, as I was previously locked into very high rates with my previous provider. I'm sticking with Lloyds for now, but my next review is imminent, so may look around to see other offers, but at the same time I'm confident from my experiences so far with Lloyds, that they will be in the market to negotiate. Reviewed on: 9th July 2017

Totally disgusted total avoid them poor customer service

Had a ridge tile from the main roof blown off by the wind damaging the garage roof on the process. Called lloyds for help this is there BS reply. 1. Can't fix/ replace tile because the wind force responsible for the damage doesn't qaulify with Thier criteria it has to be 55 mph. Wind apparently at that time was 40 mph. Who are they kidding? Have they been out measuring the exact wind strenght that day? What about wind gust? They blow more that prevailing winds isn't not? A single tile couldn't be blown off by 40 mph wind? Maybe the entire roof would be affected but one tile? Surely it doesn't weight a ton? 2. Secondly, They asked me what f I had maintenance done to the roof? It's a 14 yr old roof looks like new I said Why fix when there's nothing wrong with it. They said they can't fix my wind blown tile because I haven't cleaned my gutters and and maintained my roof. Total BS! Again ( I would surmise if I did say yes I had t cleaned then they would probably come up with an excuse saying it was weakened by people climbing on the roof hence the damage) they're just looking for reason not to pay the repair bill. 3. Thirdly, they Won't cover water damage due to hole in garage roof? Reason , Not part of accident damage? Surely that's sound like accident to me it was not done intentionally. This guys are crooks beware. They should stick to banking as surely they are incompetent in insurance. Reviewed on: 13th June 2017

Competitive and Easy!!!

Why trawl through comparison sites when your bank can provide a great price with a trusted brand Reviewed on: 6th June 2017

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