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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.
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 |
CoverAccidental Damage |
BronzeNot available |
SilverIncluded, up to full rebuild cost |
GoldIncluded, up to full rebuild cost |
Cover |
BronzeNot available |
SilverIncluded, up to £50,000 |
GoldIncluded, up to £50,000 |
Cover |
BronzeOptional extra, up to |
SilverOptional extra, up to |
GoldOptional extra, up to |
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 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 |
Bronze£1,000 |
Silver£1,000 |
GoldYour standard excess |
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.