Contents insurance

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

Our contents insurance protects items you keep in your private residence and in any structures attached to it, such as furniture, clothing, curtains and electronic goods.

As well as protecting against risks such as theft, or damage caused by fire, smoke, storm or flood, you get all of the following as standard:

  • High Risk Item Cover - You will be covered for £10,000 worth of high risk items as standard. This covers belongings such as your jewellery, mobile phone, and computers within your home. You can select a higher amount if needed.
  • Money & Credit Cards Cover - cover for your cards and cash when in the home.
  • Freezer Contents Cover - with a low £25 excess.
  • Visitor belongings - protection for items your visitors bring with them when they visit your home.
  • Alternative accommodation - for your family and domestic pets if you cannot live in your home because of an insured event.

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

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.

Protecting Your Money FSCS