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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
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We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.
In this article
We've reviewed five home insurance policies from Lloyds Bank.
You can buy a Bronze, Silver or Gold policy on its website and over the phone. Its Standard and Premier policies are only available on insurance comparison websites.
We've also surveyed 129 Lloyds Bank customers who have recently made a home insurance claim.
It belongs to the Lloyds Banking Group, which owns other well-known brands such as Bank of Scotland, Halifax and Scottish Widows, and its home insurance is underwritten by Lloyds Bank General Insurance Limited.
Lloyds Bank offers a wide range of financial products, including car, pet, life and travel insurance as well as home insurance.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
Its Gold buildings cover ranked in the top 10, while its Premier contents cover was in the top five.
79%
Policies
out of 21 home insurers with a customer score
See how this compares with the best home insurance, or read more about how we rate home insurance.
We've reviewed five Lloyds Bank policies. Select a policy from our table to see what it offers and what we scored it.
| Buildings - Alternative accommodation | £100,000 | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £50-£1000 | |
| Home emergency cover limit | £1,000 | |
| Home emergency - central heating/boiler repair | £1,000 | |
| Buildings - Groundwater flooding | Included | |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £3,000 | |
| Contents - Alternative accommodation | £30,000 | |
| Contents - Accidental damage | Full cover included | |
| Contents - Guests' belongings | £1,000 | |
| Contents - Theft of contents in the open | £2,000 | |
| Contents - Damage to contents in the open | £2,000 | |
| Contents - Theft from outbuilding | £10,000 | |
| Contents - Damage to contents in an outbuilding | £10,000 | |
| Contents - Personal possessions cover single item limit | £3,000 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
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Dean Sobers, Which? home insurance expert, says:
The Gold policy from Lloyds Bank was in the top fifth of policies we looked at – both for buildings and contents cover. It scored 75% for the former and 74% for the latter.
Although it had impressive scores, we didn't name it a Best Buy due to its underwriter’s low claims acceptance rate.
The policy offers £100,000 cover for alternative accommodation in the event that your home becomes uninhabitable and you need to stay elsewhere while repairs are made. It also picked up points for providing full accidental damage cover as standard, which is a relative rarity with home insurance policies.
It does have some drawbacks, though. These include a comparatively high excess of £500 for escape of water, and what is meant by ‘flood’ isn't defined in its policy wording.
Lloyds is a member of Flood Re, which helps insurers cover customers in areas of high flood risk. It’s also part of Flood Re’s ‘Build Back Better scheme’. This means that if you’re a customer in an area with a high flood risk and make a flood claim, you’ll be financially supported in making enhancements to your home to make it more resilient against future flood damage.
On its website, Lloyds Bank offers two additional levels of home insurance: Bronze and Silver.
The former had below-average scores of 63% for buildings cover and 65% for contents cover. Silver scored 74% for both buildings and contents – above the averages of 71% and 67%, respectively.
For customers buying through comparison websites, Lloyds Bank offers two policies: Standard and Premier. Standard got 71% for both buildings and contents in our analysis – exactly average for buildings cover and a little above average for contents.
Premier, meanwhile, was in the top half of our table – with scores of 74% for buildings and 79% for contents. It ranked in the top five for contents.
We asked Lloyds Bank customers who have recently made a claim how they felt about their home insurance.
Lloyds Bank received a customer score of 79% – joint 7th out of 21 providers rated, alongside three other insurers.
It also scored 79% when we asked people to rate its claims handling – joint 9th out of 22 brands in our table. See the full list of results here.
When we asked more about the ratings customers gave Lloyds Bank, one claimant told us: 'The policy is easy to understand, and the customer service experience is great.'
Another satisfied claimant reflected: 'I suffered severe flood damage and I was treated with compassion and great care... This really helped me at a difficult and worrying time.'
| How comprehensive the policies are | |
| How affordable the policies are | |
| Clarity of policy | |
| Dealing with queries | |
| Dealing with complaints | |
| Value for money | |
| Fair treatment of long-standing customers |
Table last updated in September 2026. Next update in September 2027.
'n/a' represents where we have insufficient sample size (less than 40) to generate a star rating.
Lloyds Bank sample size: customer score, 129; claims score, 142.
You can only buy Bronze, Silver and Gold policies directly on the Lloyds Bank website, or by phone. However, its Standard and Premier policies are found on price comparison websites.
There is no discount for buying buildings and contents insurance together.
Want to pay monthly? The good news is that Lloyds doesn't charge any interest for paying monthly rather than annually.
The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide.
With a customer score of 79%, Lloyds Bank sits in joint-7th place overall in our satisfaction table, coming just below Allianz, Aviva and Axa (which all scored 80%) and slightly ahead of Admiral and Direct Line (78%).
Its Silver buildings policy scored 74% and ranks joint 4th in our standard buildings cover table. This shares the same score of 74% as standard policies from Bank of Scotland, Halifax, Nationwide and others.
As for contents insurance, its standard Silver policy scored 74% – the same as standard policies from Bank of Scotland and Halifax – and sits in joint-3rd place among standard policies.
If you need to make a claim with Lloyds Bank home insurance, you can claim online or call 0345 604 6705.
Most of Lloyds Bank's policies impressed in our analysis, and customer feedback was reasonable. However, its claims statistics are a concern, meaning we can’t recommend it.
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