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Buildings and contents insurance
Get a quote in minutes. You can only get Home Insurance Select directly with us.
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 |
|---|---|---|---|
|
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.
|
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?
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.
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.