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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.

Home Insurance limitHome Insurance Comprehensive limit
Private Residence Cover Up to £500,000* (included) Unlimited** (included)
Outbuildings Cover Up to £500,000* (optional) Unlimited** (included)
Accidental Damage Cover Up to £500,000* (optional) Unlimited** (included)
Replacement of Sets Cover Not available 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.

Home Insurance limitHome Insurance Comprehensive limit
Private Residence Cover Up to £75,000* (included) Unlimited** (included)
Contents in outbuildings and in the open cover Up to £5,000 in Outbuildings (optional)
Up to £1,000 in the Open (optional)
Up to £10,000 in Outbuildings (included)
Up to £2,000 in the Open (included)
Accidental Damage Cover Up to £75,000* (optional) Unlimited** (included)
Replacement of Sets Cover Not available Unlimited** (included)
Personal belongings away from the home cover Up to £15,000** (optional) Up to £25,000** (optional)
Students' Contents Away From Home Cover Up to £10,000** (optional) Up to £10,000** (optional)
Pedal Cycle Cover Up to £10,000** (optional) Up to £10,000** (optional)
Specified Items Cover (individually worth over £3,000) Up to £30,000** (optional) 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).

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

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.