Contents insurance

Contents insurance

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Contents insurance

Contents insurance covers the cost of repairing or replacing the items in your home that have been stolen, or damaged by events such as a flood, fire or storm. This includes household goods and personal effects owned by you or your family. This includes any high value items that you name on your policy.

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
Cover Contents limit up to	Bronze £50,000	Silver £100,000	Gold £250,000
Cover Accidental Damage	Bronze Not available	Silver Included, up to £100,000	Gold Included, up to £250,000
Cover Legal Expenses	Bronze Not available	Silver Included, up to £50,000	Gold Included, up to £50,000
Cover Away from home	Bronze Optional extra, from £1,000 to £25,000	Silver Optional extra, from £1,000 to £25,000	Gold Optional extra, from £1,000 to £25,000
Cover Home Emergency	Bronze Optional extra, up to £1,000	Silver Optional extra, up to £1,000	Gold Optional extra, up to £1,000

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
Cover Your standard excess	Bronze Choose between £100 and £500	Silver Choose between £100 and £500	Gold Choose between £100 and £500
Cover Leaking Water excess	Bronze £500	Silver £500	Gold Your standard excess

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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.