Home insurance

You could spread your payments

Some home insurance providers charge extra if you want to spread your home insurance premiums over 12 months. We don't. (Subject to eligibility, and only available to customers aged over 18).

Big discounts

As a new home insurance customer you'll get 15% off your first year's premium
- or 25% if you have a Royalties Cheque account.

24-hour emergency helpline

Broken lock? Leaky tap? Smashed window? Our 24-hour household emergency helpline puts you in touch with people who can put it right.

If you have to make a claim, we'll replace old items with new ones. The only items this doesn't apply to are linen, clothing and bicycles.

Security-minded? It's easy to reduce your premiums - and it's often as simple as fitting locks, bolts and burglar alarms approved by us.

We've all had those horrible accidents around the house - like knocking over the television or spilling coffee on a computer. With our home contents insurance, there's built-in cover for accidental damage to TVs, DVD players, hi-fi equipment and home computers. This cover is linked to the amount of your contents insured.

Want extra protection? Take out our extra accidental damage cover, and you won't have to worry about tea on the sofa, cola on the carpet or an accidentally broken antique. This cover is linked to the amount of your contents insured.

Some home contents insurance policies have low limits for cash and garden contents. With us, you're covered for up to £300 cash in your home - that includes travellers' cheques and travel tickets. You're also covered for up to £500 of garden contents.

Let's face it: Christmas and weddings mean you have a lot of extra valuables in your home. But many standard policies don't cover you for this additional value. That's why we add an extra 10% contents cover to insure wedding presents - absolutely free - for four weeks before and after the big event. And there's an extra 10% contents cover for Christmas presents from 1 December to 15 January every year. Conditions apply.

With buildings insurance from The Royal Bank of Scotland, you're protected against:

• Freezing or bursting of your home's plumbing installation
• Accidental breakages of ceramic sanitary ware and fixed glass
• The cost of alternative accommodation during necessary repairs to your home - which could be up to 20% of the sum insured

Of course, we cover the main risks you want to protect your home against, including damage caused by:

• Storm or flood
• Subsidence, heave or landslip
• Theft or attempted theft
• Escape of water or oil
• Fire, smoke, lightning, explosion or earthquake
• Riot or vandalism
• Collision

Don't worry, there's also cover for other parts of your property, including:

• Walls, gates, fences, hedges and footpaths (except in the event of storm or flood damage)
• Garages and outbuildings (for example, sheds)
• Permanent fixtures and fittings (for example, bathroom fittings, kitchen units, fitted wardrobes)

Putting your foot through the ceiling when you're moving boxes in the attic. Drilling into a wall (and out the other side). Spilling paint stripper on your wallpaper. With extra accidental damage cover, it's taken care of.

Some mortgage lenders charge a fee to switch your buildings insurance. But don't be put off - we pay up to £25 to cover these fees.

And we make sure your policy is in-line with rebuilding costs, based on the original sums insured. The premium at renewal will be calculated on the revised sum insured. Conditions apply.