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Home insurance
- Choose from 3 levels of cover.
- Manage your policy and claim online.
- Choose to spread the cost and pay monthly with no extra charges.
We offer 3 types of home insurance:
Home Insurance Select has 3 levels of cover: Bronze, Silver & Gold
Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read our policy booklet (PDF, 918KB)
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Buildings Insurance
This covers the structure of your home and its outbuildings. This includes your roof, walls, windows and ceilings. It also includes permanent fixtures like fitted kitchens and bathrooms. It covers you against damage caused by things like fire, flood and storm, as well as subsidence and vandalism.
Cover
Bronze
Silver
Gold
Cover
Buildings
Bronze
Full rebuild cost
Silver
Full rebuild cost
Gold
Full rebuild cost
Cover
Accidental damage
Bronze
Not available
Silver
Full rebuild cost
Gold
Full rebuild cost
Cover
Plants in the garden
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Tracing & accessing a leak
Bronze
£5,000
Silver
£5,000
Gold
£5,000
Cover
Blocked drains
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
If you need somewhere else to stay (if you live at the property)
Bronze
£100,000
Silver
£100,000
Gold
£100,000
Cover
Loss of rent (if you’re a landlord)
Bronze
£100,000
Silver
Not available
Gold
Not available
Cover
Home owner’s legal responsibility
Bronze
£2,000,000
Silver
£2,000,000
Gold
£2,000,000
Cover
Damage by emergency services
Bronze
Full rebuild cost except trees, plants and shrubs where the limit is £1,000
Silver
Full rebuild cost except trees, plants and shrubs where the limit is £1,000
Gold
Full rebuild cost except trees, plants and shrubs where the limit is £1,000
Contents Insurance
This covers the things in your home. This includes items you could take with you if you moved house – like furniture, clothing, electronic goods, carpets and curtains. It covers you against theft as well as damage caused by things like fire, smoke, storm or flood. The cover limits below are part of, not in addition to, your overall Contents Cover limit. This is with the exception of those limits marked with an *.
Cover
Bronze
Silver
Gold
Cover
Contents
Bronze
£50,000
Silver
£100,000
Gold
£250,000
Cover
Accidental damage
Bronze
Not available
Silver
£100,000
Gold
£250,000
Cover
Damage to frozen food
Bronze
£500
Silver
£500
Gold
£500
Cover
Visitors’ belongings
Bronze
£500
Silver
£500
Gold
£500
Cover
If you need somewhere else to stay
Bronze
£25,000*
Silver
£25,000*
Gold
£25,000*
Cover
Money
Bronze
£500
Silver
£500
Gold
£500
Cover
Documents
Bronze
£2,500
Silver
£2,500
Gold
£2,500
Cover
Contents in outbuildings
Bronze
£5,000
Silver
£5,000
Gold
£5,000
Cover
Contents in the open
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Trees & plants
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Metered water
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Personal legal responsibility
Bronze
£2,000,000*
Silver
£2,000,000*
Gold
£2,000,000*
Cover
Employer’s responsibility for domestic staff
Bronze
£10,000,000*
Silver
£10,000,000*
Gold
£10,000,000*
Cover
Protection for tenants
Bronze
£10,000*
Silver
£10,000*
Gold
£10,000*
Cover
Tenant’s home improvements
Bronze
£5,000*
Silver
£5,000*
Gold
£5,000*
Cover
Damage by emergency services
Bronze
Contents sum insured except trees, plants and shrubs where the limit is £1,000
Silver
Contents sum insured except trees, plants and shrubs where the limit is £1,000
Gold
Contents sum insured except trees, plants and shrubs where the limit is £1,000
Specified items cover
We need to know about items worth more than £2,000, other than home appliances, and furniture which isn’t antique. For example, items, such as laptops, TVs, jewellery or bikes which individually cost more than £2,000.
You can also choose to cover any specified items in the home, or both in and away from the home.
Any specified items will be included as part of your overall contents sum insured amount.
For items worth more than £2,000 individually, there's a £40,000 individual item limit and a £100,000 total specified item limit.
Additional features and optional extras we offer:
The level of cover you need will be individual to you. You can see below what's included with our Bronze, Silver and Gold cover and what optional cover you can add to meet your needs.
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Covers you against accidental damage to your home and the things in it. So if a football smashes your window or a drink is spilt on your carpet, we’ll pay to repair the damage or replace your things.
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Protects the things you have with you when you leave the house, like your phone, watch or bike. If you've named any high value items, you can also choose to cover these away from home.
Cover
Bronze
Silver
Gold
Cover
Items lost or stolen away from home
Bronze
Choose from £1,000 to £25,000
Silver
Choose from £1,000 to £25,000
Gold
Choose from £1,000 to £25,000
Cover
Including accidental damage cover
Bronze
Not available
Silver
Included up to your chosen limit for items away from home
Gold
Included up to your chosen limit for items away from home
Cover
Including students' contents
Bronze
Up to £5,000
Silver
Up to £5,000
Gold
Up to £5,000
We cover things like rings, watches, bikes and laptops whenever you take these things with you outside your home. You’re covered if they’re lost or stolen, or accidentally damaged if you have this cover. This includes cover for students’ contents when in university halls of residence and other student accommodation.
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This pays up to £50,000 in case you need to take legal action. It gives you access to a 24/7 helpline for legal advice. It covers things like contract, employment and neighbour disputes.
Cover
Bronze
Silver
Gold
Cover
Legal expenses
Bronze
Not available
Silver
£50,000
Gold
£50,000
This cover provides expert help when you need legal support and covers things like employment disputes, personal injury and clinical negligence.
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This protects you against emergency repairs which wouldn't normally be covered by your home insurance. There's a 24/7 helpline, so if your boiler breaks down or your power fails, you can get help fast. It pays for repairs up to £1,000 a time. And there's no excess to pay.
Cover
Bronze
Silver
Gold
Cover
Home emergency
Bronze
£1,000
Silver
£1,000
Gold
£1,000
You’re covered for emergency repairs. This includes the call-out costs, work and new parts. Call the 24-hour emergency helpline and an approved tradesperson will come out and take action to resolve the emergency. This includes emergency repairs to your heating , plumbing & electrics, roofing, windows, doors and locks to secure your home.
Why choose Bank of Scotland home insurance?
Here when you need us most
Make claims easily online or by phone. Our out of hours emergency claims helpline is available for urgent support.
You decide the excess
Pay your chosen excess towards most claims. The higher the excess you choose, the less you could pay for your cover.
No hidden costs
We won’t charge you an admin fee for making any changes to your policy.
Manage your policy online
Easy to manage your policy online; claim, renew and pay. If you’re registered, log in to Internet Banking for extra features to make managing your policy even easier.
Existing Home Insurance customers
Bank of Scotland Home Insurance Select is underwritten by Lloyds Bank General Insurance Limited. Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.
Your home insurance in Internet Banking
Check your cover details and make a claim, all from one place.