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Buildings and contents insurance
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What's included with our cover?
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. This also includes any high value items that you name on your policy.
Choosing the right level of cover
Compare what's included with our Bronze, Silver and Gold cover to help choose which one is best for you.
Read our policy booklet (PDF, 918KB) for more about what is and isn't covered.
|
Cover |
Bronze |
Silver |
Gold |
|---|---|---|---|
CoverBuildings limit up to |
BronzeFull rebuild cost |
SilverFull rebuild cost |
GoldFull rebuild cost |
CoverContents limit up to |
Bronze£50,000 |
Silver£100,000 |
Gold£250,000 |
CoverAccidental Damage to Buildings |
BronzeNot available |
SilverIncluded, up to full rebuild cost |
GoldIncluded, up to full rebuild cost |
CoverAccidental Damage to Contents |
BronzeNot available |
SilverIncluded, up to £100,000 |
GoldIncluded, up to £250,000 |
Cover |
BronzeNot available |
SilverIncluded, up to £50,000 |
GoldIncluded, up to £50,000 |
CoverAway from home |
BronzeOptional extra, from £1,000 to £25,000 |
SilverOptional extra, from £1,000 to £25,000 |
GoldOptional extra, from £1,000 to £25,000 |
Cover |
BronzeOptional extra, up to £1,000 |
SilverOptional extra, up to £1,000 |
GoldOptional 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.
|
Cover |
Bronze |
Silver |
Gold |
|---|---|---|---|
CoverYour standard excess |
BronzeChoose between £100 and £500 |
SilverChoose between £100 and £500 |
GoldChoose between £100 and £500 |
CoverLeaking Water excess |
Bronze£500 |
Silver£500 |
GoldYour standard excess |
CoverSubsidence excess (Buildings cover only) |
Bronze£1,000 |
Silver£1,000 |
GoldYour standard excess |
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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.