Our cover and what’s included

Buildings and contents insurance

Protect the structure of your home, including its outbuildings, and the things in it against things like fire, theft and storm. This includes cover for permanent fixtures and fittings, like fitted kitchens and bathrooms, and household goods, furnishings and clothes.

Contents insurance

Protect your possessions. This includes cover for household goods, furnishings and clothing for things like fire, theft and storm.

Buildings insurance

Protect the structure of your home. This includes cover for its outbuildings, any permanent fixtures and fittings, such as plumbing, wiring and kitchen / bathroom fittings for things like fire, theft and storm.

Why choose Bank of Scotland home insurance?

Always there for you
Make claims easily online or over the phone. Plus, get access to our 24/7 Emergency helpline.

Select your own excess
Choose the amount you’ll pay towards most claims. The higher the excess you choose, the less you could pay for your cover.

No hidden costs
We won't charge you an admin fee for making a change to your policy.

Help when you need it most
Our Personal Claims Consultants can support with complex claims if we feel you need help.

More about options available with Home Insurance Select

Home Emergency cover


This protects you against emergency repairs which wouldn't normally be covered by your home insurance. There's a 24/7 helpline, so if your boiler breaks down or your power fails, you can get help fast. It pays for repairs up to £1,000 a time. And there's no excess to pay.


Optional on Bronze, Silver and Gold.


More about Home Emergency cover

Legal Expenses cover


This pays up to £50,000 in case you need to take legal action. It gives you access to a 24/7 helpline for legal advice. It covers things like contract, employment and neighbour disputes.


Included with Silver and Gold.


More about Legal Expenses cover

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.