Part of the Lloyds Banking Group, which also includes Lloyds Bank and Halifax, Bank of Scotland's home insurance is underwritten by Lloyds Bank General Insurance Limited.
If you're looking for our ratings of bank accounts, click here.
Bank of Scotland offers the following levels of home insurance cover:
Policy | Policy level | Buildings: maximum sum insured | Contents: maximum sum insured |
---|---|---|---|
Bank of Scotland Gold | Premium | Full rebuild cost | £250,000 |
Bank of Scotland Silver | Standard | Full rebuild cost | £100,000 |
Bank of Scotland Bronze | Essentials | Full rebuild cost | £50,000 |
Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy |
What does Bank of Scotland home insurance cover?
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Burst pipes
Covers water damage caused by burst pipes in the property
✓ Key cover
Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen
✓ Accidental damage
Covers accidental damage to personal belongings, fixtures and fittings
✓ Legal protection
Cover for legal costs resulting from claims such as property and employment disputes
£ Personal possessions
Covers personal belongings against loss, accidental damage or theft when taken outside the home
£ Boiler cover
Covers the failure of a boiler or central heating system
£ Home emergency
Covers callouts and temporary repairs resulting from a home emergency
Does Bank of Scotland offer the best home insurance?
Here's how Bank of Scotland scored in our latest home insurance survey:

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse home insurance
We analyse and rate 46 key elements of standard buildings home insurance policies to come up with the buildings policy score and 65 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and factor this in when calculating our policy scores.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We then adjust the impact the more and less important elements have on the overall policy score.
Bank of Scotland's Silver home insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
In detail: every part of Bank of Scotland's home insurance rated
Table last updated in March 2022. Next update in March 2023.
Does Bank of Scotland offer different levels of cover?
Bank of Scotland also offers Gold home insurance, with higher cover levels and premiums, and Bronze home insurance, with lower cover but a lower cost.
Log in to see how we rated these policies.
How can you save money on Bank of Scotland home insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.
Bank of Scotland home insurance can be bought online and over the phone.
- Find out more: how to get cheap home insurance
What is Bank of Scotland's claims number?
If you need to make a claim with Bank of Scotland home insurance call: 0345 604 6714
Find out more about claiming successfully in our guide to making a home insurance claim.