Buildings and contents insurance

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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

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.

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.

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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