- Rated Which? Best Buy 2023 for our Standard & Elite Buildings insurance and Elite Contents insurance
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Buildings Insurance
A practical precaution for homeowners
Royal Bank of Scotland home insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number 202810.
The details
Cover options OpenClose
Standard home insurance
The most popular product, offering flexibility to adjust to your needs. Up to £1m Building cover (the amount paid up to for the cost of repairs or rebuild of your home) following a valid claim. For more information on what the policy covers, please read the Standard insurance product information document and policy document.
Elite home insurance
All the benefits of Standard, with higher levels of cover. Unlimited Building cover (the amount paid up to for the cost of repairs or rebuild of your home) following a valid claim. For more information on what the policy covers, please read the Elite insurance product information document and policy document.
Core cover OpenClose
Building cover
You can claim towards the cost of repairing or rebuilding your home following an insured event.
Alternative accommodation
If your home is unfit to live in after you’ve made a valid claim, reasonable costs of alternative accommodation, storage for your belongings and kennel fees for domestic pets are covered.
Trace and access
You’re covered if part of your building needs to be removed and replaced to locate the exact source of a water leak from tanks, pipes, appliances or a fixed heating system in your building.
Lock replacement
You can claim reasonable costs of replacing and fitting new locks to external doors if your keys are lost or stolen.
Emergency entries
This covers the cost of repairing any damaged caused to your building by the emergencies if they need to make a forced entry.
Optional extras OpenClose
Accidental damage
Unintentional damage (such as DIY accidents) in parts of the building you’re responsible for will be paid. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.
Personal Possessions
You can get cover for items taken outside your home eg. laptops, jewellery, pedal cycles. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.
Legal protection
Provides financial help towards you and your dependents in certain legal disputes (if the claim has at least 50% chance of success) and access to a 24-hour confidential helpline. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.
Switch your home insurance
When you switch to Royal Bank of Scotland home insurance, you can claim up to £50 towards any cancellation fees your current insurer charges. Once you’ve cancelled your existing cover and taken out your new policy, get in touch with U K Insurance Limited. They’ll arrange for you to be reimbursed within seven to 10 working days.
Fill in your details
To give you an accurate quote, you'll need to fill in some personal details and information.
Tailor your policy
Select how much you want your building insured for and if you want any optional extras.
Review and apply
Review your details and your quote. If you’re happy with everything, then you can apply.
We will share your personal details (i.e. policy start date and number, your name, postal and email addresses and contact telephone number) with our third party, Marketing Lounge Partnership (MLP) for the purpose of fulfilment of this offer. MLP will keep your details on record for 6 months. For full details of our privacy policy.