Buildings insurance

Bank of Scotland Home Insurance and Bank of Scotland Home Insurance Comprehensive are underwritten by Lloyds Bank General Insurance Limited.

Our buildings insurance protects your private residence and its fixtures and fittings against risks such as fire, subsidence, vandalism and storm.

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

  • Alternative accommodation - if your home is made uninhabitable by an insured event.
  • Replacement of Sets Cover - following a successful claim, we will replace the undamaged items of a matching set if a reasonable match can’t be found.
  • 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 your roof and any permanent fixtures in your home, such as plumbing, wiring and kitchen/bathroom fittings. It also protects a wide range of things within the boundary of your home, including your garden walls, paths, driveways, patios, fixed solar panels and hot tubs.

Limits, terms and exclusions apply, see our policy booklet for full details.

Compare our home insurance cover

Get a quote

Compare two levels of quality cover side-by-side when you get a quote.

  • Welcome Offer of up to 30% discount
    You'll get 20% discount when you buy a new combined buildings and contents policy and if you've been claim free for 3 or more years we will apply a further 10% discount. Conditions apply.
  • 10% Internet Banking Discount
    Get a quote and buy through Internet Banking and get a further 10% discount (multiple discounts are applied consecutively which may reduce the overall discount you receive).

These two offers can be combined. Discounts will automatically be applied. Discounts are for one year and exclude Home Emergency and Legal Expenses cover. If a change is made to your premium during the year, minimum premiums will apply.

Get a quote online Log into Internet Banking Retrieve a quote

Or call for a quote on 0800 028 8337. Lines open Mon to Fri 8am – 8pm and Sat 8am – 4pm. (Times may vary on public holidays).

Calls will be recorded and may be monitored for training and/or quality purposes.