We are experiencing a high number of calls at the moment. So that we can support those in the most vulnerable situations please only call if it is urgent. Remember, you can do most of your banking tasks yourself online, either using our app or through Internet Banking.

Compare home insurance

Compare our two levels of cover side-by-side.

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.

Here's a summary of what our home insurance policies cover. Please see the policy documents for more information and details of limits and exclusions.

Buildings insurance

Cover limits shown in this section are part of, not in addition to, the overall 'Private residence cover' limit.

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.

Contents insurance

Cover limits shown in this section are part of, not in addition to, the overall Private Residence Cover limit. This does not apply to Specified Pedal Cycle Cover or Specified Items cover.

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.

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

Retrieve a quote

If you've already completed a quote and would like to purchase a home insurance policy, there's no need to start your quote again.

You can retrieve your quote online with the following information:

  • your Quote Reference Number
  • date of birth
  • the postcode of the property you want to insure.
Retrieve a quote

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

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.