Home insurance

Get a buildings and contents insurance quote

You’ll save 10% if you buy online.

Read the terms and conditions.

Get a quote nowGet a quote now

Retrieve a quote

Pick up where you left off.

Retrieve your quote

Looking for home insurance?

It’s reassuring to know you are covered if something unexpected should happen. Our home insurance can protect the things that matter to you the most. Choose between three levels of quality, affordable cover.

Read our policy booklet (PDF, 918KB) for more about what is and isn't covered.

Choosing the right level of cover

Cover

Bronze

Silver

Gold

Cover

Buildings limit up to

Bronze

Full rebuild cost

Silver

Full rebuild cost

Gold

Full rebuild cost

Cover

Contents limit up to

Bronze

£50,000

Silver

£100,000

Gold

£250,000

Cover

Accidental Damage to Buildings

Bronze

Not available

Silver

Included, up to full rebuild cost

Gold

Included, up to full rebuild cost

Cover

Accidental Damage to Contents

Bronze

Not available

Silver

Included, up to £100,000

Gold

Included, up to £250,000

Cover

Bronze

Not available

Silver

Included, up to £50,000

Gold

Included, up to £50,000

Cover

Away from home

Bronze

Optional extra, from £1,000 to £25,000

Silver

Optional extra, from £1,000 to £25,000

Gold

Optional extra, from £1,000 to £25,000

Cover

Bronze

Optional extra, up to £1,000

Silver

Optional extra, up to £1,000

Gold

Optional extra, up to £1,000

How much excess would I need to pay?

Your excess is the amount you’ll pay towards most types of claim. You can choose your own excess between £100 and £500. A higher excess means your cover will cost less, but you’ll have to pay more towards a claim.

With Bronze and Silver cover, there's a different excess for subsidence and leaking water claims.

How much excess would I need to pay?

Cover

Bronze

Silver

Gold

Cover

Your standard excess

Bronze

Choose between £100 and £500

Silver

Choose between £100 and £500

Gold

Choose between £100 and £500

Cover

Leaking Water excess

Bronze

£500

Silver

£500

Gold

Your standard excess

Cover

Subsidence excess (Buildings cover only)

Bronze

£1,000

Silver

£1,000

Gold

Your standard excess

Ready to get a quote?

Get a buildings and contents insurance quote

You’ll save 10% if you buy online.

Read the terms and conditions.

Get a quote nowGet a quote now

Retrieve a quote

Pick up where you left off.

Retrieve your quote

Switching home insurance providers

If you're considering switching your home insurance to us but you'd like more information, you're in the right place.

Here's the level of service you can expect:

  • UK based call centres
  • Personal Claims Consultants who'll come to you if we think you need help with a complex claim
  • get same day claims payments into your Bank of Scotland current account
  • our managed claims service can organise most repairs to your home; we'll get trusted tradespeople to carry out work.

Making a claim and managing your policy

If you need to get in touch with us to make a claim, manage your policy or if you’re experiencing financial difficulties. We’re here to help.

NHS and Care Workers

As a thank you for supporting those impacted by Coronavirus: personal belongings of NHS and Care workers that are damaged, lost or stolen while they're working or commuting will be covered under their standard contents policy at no extra cost during the pandemic. Thank you.

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.