Compare home insurance

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

We offer two levels of cover

Bank of Scotland Home Insurance - a flexible level you can tailor to your specific needs
Bank of Scotland Home Insurance Comprehensive - additional cover 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 (e.g. Alternative accommodation).

** There are elements of cover which are subject to lower limits (e.g. alternative accommodation).

Contents insurance

Cover limits shown in this section are part of, not in addition to, the overall Private Residence Cover limit. This doesn’t apply to 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 (e.g. Alternative accommodation).

** There are elements of cover which are subject to lower limits (eg. Alternative accommodation).

*** 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, see our policy booklet for full details.

Get a quote

Choose from two levels of quality cover when you get a quote.

Plus, if you're already an existing Internet Banking customer you can get a further 10% discount. Simply, log in to get a quote and buy through your Bank of Scotland Internet Banking account and get 10% discount.

The discount is for the first year and is applied to our standard online price. The discount excludes Home Emergency and Legal Expenses cover. Minimum premiums apply if you make a change to your premium during the year.

Get a quote

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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).

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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.