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Looking for 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.


 

Get a range of Buildings Insurance benefits

You also get a range of reassuring benefits as standard, including:

  • Alternative accommodation - for your family and domestic pet if your home is unfit to live in due to a claim.
  • Accidental damage to underground services - such as underground pipes or drains belonging to you.
  • Property Owner's Liabilty - in case of claims made against you by visitors who get injured following an accident at your home.

Our buildings insurance also covers any permanent fixtures in your home such as fitted kitchen cupboard.  It also protects a wide range of fixtures within the boundary of your home.  This includes things like your garden walls, paths, driveways, patios, fixed solar panels and fixed hot tubs.

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

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 both Buildings and Contents Insurance?

If you’re looking for both Buildings and Contents Insurance we’ve got you covered.  

Our combined policy covers your private residence and its attached structures, plus their contents, all under one insurance policy.

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.