Home insurance

It’s reassuring to know you are covered if something unexpected should happen. Our range of insurance policies can protect the things that matter to you the most.

Bank of Scotland Home Insurance and Bank of Scotland Home Insurance Comprehensive are underwritten by Lloyds Bank General Insurance Limited.

  • Welcome Offer of up to 30% discount
    You'll get 20% discount when you buy a new combined buildings and contents policy and if you've been claim free for 3 or more years we will apply a further 10% discount. Conditions apply.
  • 10% Internet Banking Discount
    Get a quote and buy through Internet Banking and get a further 10% discount (multiple discounts are applied consecutively which may reduce the overall discount you receive).

These two offers can be combined. Discounts will automatically be applied. Discounts are for one year and exclude Home Emergency and Legal Expenses cover. If a change is made to your premium during the year, minimum premiums will apply.

Get a quote online

Log into Internet Banking

Retrieve a quote

Or call for a quote on 0800 028 8337. Lines open Mon to Fri 8am – 8pm and Sat 8am – 4pm. (Times may vary on public holidays).

If you are an existing customer and need to make a claim, please get in touch.

Choose between two levels of high quality, affordable cover

Home Insurance


Personalise your policy by selecting your ideal cover limits and excesses, and additional cover options, such as:

  • Accidental Damage Cover
  • Outbuildings Cover
  • Contents In Outbuildings And In The Open Cover
  • Personal Belongings Away From The Home Cover
  • Pedal Cycle Cover
  • Students' Contents Away From Home Cover
  • Legal Expenses Cover
  • Home Emergency Cover.

Limits, terms and exclusions apply, see our policy booklet for full details.

Home Insurance Comprehensive


Higher limits and more cover as standard, including:

  • Unlimited Buildings Insurance
  • Unlimited Contents Insurance
  • Unlimited Accidental Damage Cover
  • Unlimited Outbuildings Cover
  • Unlimited Replacement Locks and Keys Cover, with no excess to pay
  • Contents in outbuildings covered up to £10,000, and in the open up to £2,000
  • Generous alternative accommodation cover limits.

Limits, terms and exclusions apply, see our policy booklet for full details.

Get a quote


Compare two levels of quality cover side-by-side when you get a quote.

Get a quote online

Log into Internet Banking

Retrieve a quote

Or call for a quote on 0800 028 8337. Lines open Mon to Fri 8am – 8pm and Sat 8am – 4pm. (Times may vary on public holidays).

Calls will be recorded and may be monitored for training and/or quality purposes.

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