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Buildings insurance
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What's included in 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.
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 |
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 |
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 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 |
Ready to get a quote?
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.