Home Insurance

Home Insurance

Home sweet home

Give your home the protection it deserves with our Defaqto 5 Star rated Gold policy.

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Cover for your contents, your property or both

We’re here to protect the things that are important to you.

Our contents insurance will cover the contents of your property and your personal belongings against loss or damage against insured events in the home.
Our buildings insurance will cover you for loss or damage to the structure of your home (including its garages and outbuildings) against insured events.
Our combined buildings and contents insurance gives you the peace of mind that both your home and its contents are insured.

Skipton Home Insurance is underwritten by LV=.

Buildings and contents cover

	Silver	Gold
Defaqto star rating	3 stars	5 stars
Buildings cover amount	Up to £1,000,000	Up to £1,000,000
Contents cover amount	Choice of £60,000 or £80,000	Choice of £60,000 or £80,000
Minimum excess	£100	£100
Home emergency cover Covers emergencies such as failure of your main heating system, loss of underground water supply pipes and loss of electrical power.	Additional cover option	YesUp to £1,000
Trace and access the source of water or oil leaks in the home Covers the costs involved in tracing the source of an escape of water or leakage of oil.	No	YesUp to £5,000
Alternative accommodation If you're unable to carry on living in at your home due to an insured event, like a fire.	Up to £25,000	Up to £50,000
Loss or theft of keys Cover for loss or theft of keys to external doors to your home.	Up to £750	Included up to Contents sum insured
Accidental breakage of fixed glass and sanitaryware	Additional cover option	Included up to Contents sum insured
Extended accidental damage Covers you for accidents in your home like spilling red wine on your carpet, or putting your foot through the ceiling whilst in the loft.	Additional cover option	Included up to Contents sum insured
Personal money in the home Covers your personal money at home.	Up to £250	Up to £500
Freezer contents Covers loss of freezer items if there's a power cut or equipment failure.	Up to £500	Up to £1,000
Contents in the garden Covers loss or damage to items in your garden within the boundaries of your home.	No	YesUp to £2,500
Theft from outbuildings Covers theft and attempted theft from your garage or domestic outbuildings.	Up to £1,000	Included up to Contents sum insured
Accidental damage to computers, TVs and stereos	Additional cover option	Included up to Contents sum insured

	Silver	Gold
Cover amount	Choice of £60,000 or £80,000	Choice of £60,000 or £80,000
Minimum excess	£100	£100
Personal money in the home Covers your personal money at home.	Up to £250	Up to £500
Freezer contents Covers loss of freezer items if there's a power cut or equipment failure.	Up to £500	Yes Up to £1,000
Contents in the garden Covers loss or damage to items in your garden within the boundaries of your home.	No	YesUp to £2,500
Theft from outbuildings Covers theft and attempted theft from your garage or domestic outbuildings.	Up to £1,000	Included up to contents sum insured
Loss or theft of keys Cover for loss or theft of keys to external doors to your home.	Up to £750	Included up to contents sum insured
Alternative accommodation If you're unable to carry on living at your home due to an insured event, like a fire.	Up to £15,000	Up to £25,000
Accidental damage to computers, TVs and stereos	Additional cover option	Included up to contents sum insured
Extended accidental damage Covers you for accidents in your home like spilling red wine on your carpet.	Additional cover option	Included up to contents sum insured

	Silver	Gold
Cover amount	Up to £1,000,000	Up to £1,000,000
Minimum excess	£100	£100
Home emergency cover Covers emergencies such as failure of your main heating system, loss of underground water supply pipes and loss of electrical power.	Additional cover option	Yes Up to £1,000
Trace and access the source of water or oil leaks in the home Covers the costs involved in tracing the source of an escape of water or leakage of oil.	No	Yes Up to £5,000
Alternative accommodation If you're unable to carry on living at your home due to an insured event, like a fire.	Up to £25,000	Up to £50,000
Loss or theft of keys Cover for loss or theft of keys to external doors to your home.	Up to £750	Included up to Buildings sum insured
Accidental breakage of fixed glass and sanitaryware	Additional cover option	Included up to Buildings sum insured
Extended accidental damage Covers you for accidents in your home like banging a nail through a pipe, or putting your foot through the ceiling whilst in the loft.	Additional cover option	Included up to Buildings sum insured

Important documents and information

The above shows some details of the key features and cover limits. It doesn't include all the benefits, exclusions or limitations and other excesses that apply. Please ensure you read the policy documents and Terms & Conditions document in full before purchasing.

Next steps

Start your quote

Please read the policy details above to find out more about our home insurance cover before starting a quote.

Start your quote

Get in touch

You can call our customer service team on:

0345 607 9824

Help and Support

Existing customers

You can view your policy documents, find out how to make mid-term adjustments, contact us and also how you can make a claim.

Existing customers

Frequently asked questions

We've brought together the answers to some of your most commonly asked questions.

FAQs

Buildings and contents insurance is arranged by Skipton Building Society and provided and underwritten by Liverpool Victoria Insurance Company Limited. LV= and Liverpool Victoria are registered trademarks of Liverpool Victoria Financial Services Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria General Insurance group of companies. Liverpool Victoria Insurance Company Limited, registered in England and Wales number: 3232514 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number: 202965. Registered address: 57 Ladymead, Guildford, Surrey, GU1 1DB. Tel. 0330 1239970.

Home sweet home

Cover for your contents, your property or both

Buildings and contents cover

Contents cover

Buildings cover

Important documents and information

Next steps

Start your quote

Get in touch

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Existing customers

Frequently asked questions

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Home Insurance

Home sweet home

Our Gold policy is 5 Star rated by Defaqto

Cover for your contents, your property or both

Buildings and contents cover

Contents cover

Buildings cover

Important documents and information

Next steps

Start your quote

Get in touch

Help and Support

Existing customers

Frequently asked questions

Our Products

Our Society

Help & Support