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.

 

Get your quote now

Bank of Scotland Home Insurance Select underwritten by Lloyds Bank General Insurance Limited

Retrieve your quote

Pick up where you left off, make any changes and get covered today.

Retrieve your quote

Manage your policy

Existing customers can amend, renew and cancel their policy online.

Manage your policy

Make a claim

Claim online and we’ll process it just as we would if you’d called us.

Make a claim

We offer three types of home insurance

  • Buildings and Contents Insurance

    Protects the structure of your home and the things you own.

    It includes cover for outbuildings, and permanent fixtures and fittings like your kitchen, bathrooms, household goods and clothes.

    Buildings & contents insurance

    Buildings Insurance

    Protects your home’s structure and outbuildings too.

    It covers any permanent fixtures and fittings, such as plumbing, wiring and kitchen / bathroom fittings for things like fire, theft and storm.

    Buildings insurance

    Contents Insurance

    Protect the things you own in your home.

    It includes cover for household goods, furnishings and clothing for things like fire, theft and storm.

    Contents insurance

We offer three types of home insurance

  • Buildings and Contents Insurance

    Protects the structure of your home and the things you own.

    It includes cover for outbuildings, and permanent fixtures and fittings like your kitchen, bathrooms, household goods and clothes.

    Buildings & contents insurance

    Buildings Insurance

    Protects your home’s structure and outbuildings too.

    It covers any permanent fixtures and fittings, such as plumbing, wiring and kitchen / bathroom fittings for things like fire, theft and storm.

    Buildings insurance

    Contents Insurance

    Protect the things you own in your home.

    It includes cover for household goods, furnishings and clothing for things like fire, theft and storm.

    Contents insurance

We offer three levels of cover

  • 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).

    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. 

We offer additional features and optional extras  

  • 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.

    Accidental damage (included with Silver and Gold)

    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.

    Away from home (optional on Bronze, Silver and Gold)

    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.

    Legal expenses (included with Silver and Gold)

    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.

    More about Legal expenses cover

    Home emergency cover (optional on Bronze, Silver and Gold)

    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

    Legal expenses 

    Bronze

    Not available

    Silver

    £50,000

    Gold

    £50,000

    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 and electrics, roofing, windows, doors and locks to secure your home.

    More about home emergency cover

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.

Ready to get your quote?

Choose to spread the cost and pay monthly with no extra charges.

Get your quote now

Help and guidance

More on help and guidance

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.