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 me 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.