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The current lockdown means our branch opening hours have changed. Please check our branch locator if you need to visit for the latest information.

The safest way to bank with us right now is from home either using our app or through Internet Banking.

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    • Contents insurance
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    Buildings and contents insurance

    Get a quote

    Looking for buildings and contents insurance?


     

    Buildings insurance

    Buildings insurance covers the cost of repairing or rebuilding the structure of your home that is damaged by events such as a flood, fire or a storm.

    This also covers permanent fixtures in your home, such as fitted kitchens and fitted bedroom furniture. This doesn't include the items inside your home - you'd need contents insurance for that.  

    Contents insurance

    Contents insurance covers the cost of repairing or replacing the items in your home that have been stolen, or damaged by events such as a flood, fire or storm. This includes household goods and personal effects owned by you or your family.

    You'll also get £10,000 worth cover for high risk items (you can select more if you wish). These are those things which may have a high cost in money terms and may attract thieves. Such as jewellery, mobile phones, and computers.

    • Buildings Insurance expandable section
    • Contents Insurance expandable section

      Compare our Contents Insurance cover

      We offer two levels of cover:

      • Bank of Scotland Home Insurance - a tailored flexible offering that allows you to choose from a range of additional cover options for an additional premium.
      • Bank of Scotland Home Insurance Comprehensive - a more inclusive offering where some additional cover is included as standard, with higher limits in key cover areas.

      Contents insurance cover limits

      Type of cover

      Home Insurance limit

      Home Insurance Comprehensive limit

      Type of cover

      Private Residence Cover

      Home Insurance limit

      Up to £75,000* (included)

      Home Insurance Comprehensive limit

      Unlimited** (included)

      Type of cover

      Contents in outbuildings and in the open cover

      Home Insurance limit

      Up to £5,000 in Outbuildings (optional)

      Up to £1,000 in the Open (optional)

      Home Insurance Comprehensive limit

      Up to £10,000 in Outbuildings (included)

      Up to £2,000 in the Open (included)

      Type of cover

      Accidental Damage Cover

      Home Insurance limit

      Up to £75,000* (optional)

      Home Insurance Comprehensive limit

      Unlimited** (included)

      Type of cover

      Replacement of Sets Cover

      Home Insurance limit

      Not available

      Home Insurance Comprehensive limit

      Unlimited** (included)

      Type of cover

      High Risk Items (individually worth up to £3,000) 

      Home Insurance limit

      £10,000 as standard *** 

      Home Insurance Comprehensive limit

      £10,000 as standard *** 

      Type of cover

      Personal belongings away from the home cover

      Home Insurance limit

      Up to £15,000** (optional)

      Home Insurance Comprehensive limit

      Up to £25,000** (optional)

      Type of cover

      Students' Contents Away From Home Cover

      Home Insurance limit

      Up to £10,000** (optional)

      Home Insurance Comprehensive limit

      Up to £10,000** (optional)

      Type of cover

      Pedal Cycle Cover

      Home Insurance limit

      Up to £10,000** (optional)

      Home Insurance Comprehensive limit

      Up to £10,000** (optional)

      Type of cover

      Specified Items Cover (individually worth over £3,000)

      Home Insurance limit

      Up to £30,000** (optional)

      Home Insurance Comprehensive limit

      Up to £50,000** (optional)

      * Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £100,000 for contents. There are elements of cover which are subject to lower limits.

      ** There are elements of cover which are subject to lower limits.

      *** Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £30,000 on Home Insurance and £50,000 on Home Insurance Comprehensive.

      Limits, terms and exclusions apply to all levels of cover. See our policy booklet (PDF) for more details.

       

      Get a quote

    Compare our Buildings Insurance cover

    We offer two levels of cover:

    • Bank of Scotland Home Insurance - a tailored flexible offering that allows you to choose from a range of additional cover options for an additional premium.
    • Bank of Scotland Home Insurance Comprehensive - a more inclusive offering where some additional cover is included as standard, with higher limits in key cover areas.

    Building insurance cover limits

    Type of cover

    Home Insurance limit

    Home Insurance Comprehensive limit

    Type of cover

    Private Residence Cover

    Home Insurance limit

    Up to £500,000* (included)

    Home Insurance Comprehensive limit

    Unlimited** (included)

    Type of cover

    Outbuildings Cover

    Home Insurance limit

    Up to £500,000* (optional)

    Home Insurance Comprehensive limit

    Unlimited** (included)

    Type of cover

    Accidental Damage Cover

    Home Insurance limit

    Up to £500,000* (optional)

    Home Insurance Comprehensive limit

    Unlimited** (included)

    Type of cover

    Replacement of Sets Cover

    Home Insurance limit

    Not available

    Home Insurance Comprehensive limit

    Unlimited** (included)

    * Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £1,000,000 for Buildings. There are elements of cover which are subject to lower limits.

    ** There are elements of cover which are subject to lower limits.

    Limits, terms and exclusions apply to all levels of cover. See our policy documents for full details.

     

    Get a quote

    Manage your policy

    If you're an existing customer and you'd like help and support with you Bank of Scotland home insurance policy, you're in the right place.

    Find out more

    Need Buildings Insurance?

    Our Buildings insurance covers the cost of repairs or rebuilding needed of your home. This could have been after a flood, fire or a storm or any other insured damage.

    Get a quote

    Need Contents Insurance?

    Our Contents Insurance will cover your personal items as well as your household goods. This includes £10,000 worth of high risk items as standard.

    Get a quote

    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.

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